just got my RED SE 5pd...

1319 Views 14 Replies 7 Participants Last post by djpeetur, Dec 31, 2006

djpeetur

Discussion Starter · Dec 29, 2006

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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JSM1284

· #2 · Dec 29, 2006

Pretty car, You will be very happy.

LunarMist

· #3 · Dec 29, 2006

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

JSM1284

· #4 · Dec 29, 2006

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

Epsilon

· #5 · Dec 30, 2006

JSM1284 said:
It's a five speed. You can only get the 4-cyl in a 5-speed manual

+1

djpeetur

Discussion Starter · #6 · Dec 30, 2006

lol. back to the point. how you think i did on the extras for the car like tires,gap, and warranty?

Streaker

· #7 · Dec 30, 2006 (Edited)

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.

touringcamry

· #8 · Dec 30, 2006

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.

All new I4 Camry are 5spd

JSM1284

· #9 · Dec 30, 2006

touringcamry said:
All new I4 Camry are 5spd

Not all manual.

ScottFern

· #10 · Dec 31, 2006

looks good!

djpeetur

Discussion Starter · #11 · Dec 31, 2006

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.

touringcamry

· #12 · Dec 31, 2006

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:

djpeetur

Discussion Starter · #13 · Dec 31, 2006

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

touringcamry

· #14 · Dec 31, 2006 (Edited)

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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djpeetur

Discussion Starter · #15 · Dec 31, 2006

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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