Did the finance guy pull a fast one

BTW, my son has a 2024 SR5 TRD Off-Road and he has the active spoiler. If yours is the same model and trim, which it appears to be, you have the active spoiler.

 

I did the finance stuff for a motorcycle dealership for a short time. Any of the warranty/service contracts were third party big markup items. The dealership paid 600 and the customer paid 2000. I could literally take 1400 off the price of it. It was my money so if they didn't bite at 2000 (only $1 a day to protect your motorcycle, less than a cup of coffee) I would lower it. Same with interest rates if you finance. There is a sheet of interest rates with all the banks on it and I was allowed to bump the rate a certain amount depending on the bank. I had banks allowing up to 2.5%. An approval would come back with any stipulations on the loan like how much could be added on the back end for accessories. Imagine that, finance a jacket for 72 months. If you really want to get the real info ask to see the rate sheet and watch them squirm. Thing to do is bring in your own financing. That way you won't get massaged into credit life and disability add ons. Not even sure if they can do that anymore. It was a midlife crisis type gig for me. Fun environment but the retail hours part of it is what stunk. Bring your own money and you will never leave questioning what you just bought.

Oh, after reading the other posts about them avoiding you when you try to cancel it .... any money I made from the markups was taken back away from me if it got cancelled.