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'06 Prerunner TRD
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JRedneck- after thinking about it. I would get the dealer to do what they will for free. Then sell it private party since you are in no hurry. Then take that money to both pay off your current loan and make a down payment. That's seriously what I think Iwould do after rethinking this... get an '06 used and you should be fine...

Avenger, I have to second what Fluxoholic was saying... I'm sure you didn't mean anything, but if I was JRedneck and someone posted that, rest assured I would take it the wrong way...
 
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