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Discussion Starter · #1 ·
I Think i did ok. i got it for $25060 OTD

base car with spoiler $21880
tire warrnaty $299
gap $260
extended service contract (not extended warrnaty) $1000
TT+L $

=$25060?

i think i did ok. im very happy with my service contract, which includes wear and tear items, the tires for 299 was good cause 4 brand new tires cost more than that, and gap i think is gay but i got it anywayz. any comments or opinion would be greatly welcomed.
 

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ASE Master Technician
2006 Lexus GS430
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2,396 Posts
Pretty car, You will be very happy.
 

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Banned
2007 Toyota Camry SE
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698 Posts
Is your car a V6??? Because you paid several hundred dollars more than my auto-transmission SE which is very nicely loaded.
 

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ASE Master Technician
2006 Lexus GS430
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2,396 Posts
LunarMist said:
Is your car a V6??? Because you paid several hundred dollars more than my auto-transmission SE which is very nicely loaded.
It's a five speed. You can only get the 4-cyl in a 5-speed manual
 

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Streaker
2013 Sunset Bronze T
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1,804 Posts
Tire warranty? Gap ins. Talk about un-necessary options. The car is aces though. Bright Red with a 5spd manual trans. great! Thats the only way I'd buy an I4.:cool:
 

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Camry
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6,925 Posts
Streaker said:
Tire warranty? Gap ins. Talk about un-necessary options. The car is aces though. Bright Red with a 5spd trans. great! Thats the only way I'd buy an I4.:cool:
All new I4 Camry are 5spd :cool:
 

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ASE Master Technician
2006 Lexus GS430
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2,396 Posts

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Discussion Starter · #11 ·
i figured tire warrnaty for 299 isnt so bad, im gona get new tires by 36,000 miles or 3 years and those cost more than $300, plus all the perks with tire rotation , balance, etc. Gap? im gonna pay it off in one month they fucked me at 11% interest but you kno what? that the only reason i got all the extras so cheap for 1500$ gap,tire,service contracts, but im gonna get at least 250$ back from gap after i pay it off.
 

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Camry
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They gave you the extras cheap because you financed it?

Toyota gave me 9.6% APR for the amount I financed and said I had 7 days to bring them the financed amount otherwise I assume their loan. I went to a credit union and walked out with 3.5% APR for the amount I financed.

They did fuck me though when they said they'd hold my check for 10 days and cashed it the Monday after I bought it causing it to bounce :gfy:
 

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Discussion Starter · #13 ·
so you telling me i can go back and pay off the 21000 i financed, and they still gonna have to give me the extra for those prices ie~ 299 tires and 1000 service contract, and accourse minus the 260$ for gap i paid. ?????? if so im gonna do that
 

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What? I'm not sure what you did. I thought you were saying that you got the extras for cheap because you financed your car...

I put down about 55% of the cost of the car and I financed the rest. The fianance person told me that I had the option to use my own bank/credit union if I choose. On the contract it says that I have 7 days to pay off the amount that I financed with Toyota Financing otherwise they automatically assume that I take Toyota's loan. I did not buy any extra warranties, alarms, or service plans with the car. I was not offered GAP insurance either. The interest rate on the remaining 45% of the cost was 9.6% for 3 years.

I went to my credit union the next business day and I applied for a loan and they gave me 3.5% interest rate. It saves me about $60/month over Toyota's rate. Over a period of 3 years, that comes out to over $2k.

If you have the same forms as I do, there should be a long yellow form titled "Retail Installment Sale Contract - Simple Interest Finance Charge" About 1/3 the way from the bottom, above the red writing, it says:
OPTION: You pay no finance charge if the Amount Financed, item 7, is paid in full on or before (date agreed by you and dealer), year (year). Seller's Initials xx
That part is marked off and the date is 7 days after I purchased the vehicle.

But are those extras you bought part of the amount you financed? If you purchase those extras after the sale, the price might be higher - I honestly don't know though because I declined them all. They might offer a lower price during the sale as incentive to persuade you to buy them then without giving you a chance to give it much thought.
 

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Discussion Starter · #15 ·
im just gonna go up there and take out all the extras and pay off the damn thing. not worth all the financing.
 
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