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Interest Rates

Discussion in '3rd Gen Tundras (2022+)' started by jmay86, Jun 15, 2022.

  1. Aug 4, 2022 at 7:39 PM
    #91
    in_the_mud

    in_the_mud New Member

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    Raph
    Calgary, AB
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    2020 Tacoma TRD ==> 2022 Tundra Limited TRD
    What website? Toyota.ca has a 4.99% - 5.49% for financing Tundra depending on the term.
     
  2. Aug 4, 2022 at 7:47 PM
    #92
    IsaiahCanada

    IsaiahCanada New Member

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    Isaiah
    Calgary, Alberta
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    2021 Tundra SR5 Crewmax 4x4
    2.5 inch lift, TRD front and rear sway bars, 33 inch Open Country AT3 305/55R20 and dual TRD exhaust.
    7.49% that's insane!!!!!

    Screenshot_20220804-204654_Chrome.jpg
     
    tripleconpanna likes this.
  3. Aug 4, 2022 at 7:53 PM
    #93
    in_the_mud

    in_the_mud New Member

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    2020 Tacoma TRD ==> 2022 Tundra Limited TRD
    That's for a lease. Financing is at 5.49% for 84 months which still is high. Pretty sure is going to get worse.
     
    IsaiahCanada likes this.
  4. Aug 4, 2022 at 7:59 PM
    #94
    IsaiahCanada

    IsaiahCanada New Member

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    2.5 inch lift, TRD front and rear sway bars, 33 inch Open Country AT3 305/55R20 and dual TRD exhaust.
    Right, I just can't stop looking at the 7.49% that's insanity!
     
  5. Aug 4, 2022 at 8:06 PM
    #95
    in_the_mud

    in_the_mud New Member

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    Calgary, AB
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    2020 Tacoma TRD ==> 2022 Tundra Limited TRD
    I know.
    And I am in the middle of that cause I'm waiting for my Tundra now. If interest rates do come up to 7.49% it won't make sense to do the trade for me anymore.
     
    IsaiahCanada likes this.
  6. Aug 4, 2022 at 8:19 PM
    #96
    IsaiahCanada

    IsaiahCanada New Member

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    Isaiah
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    2021 Tundra SR5 Crewmax 4x4
    2.5 inch lift, TRD front and rear sway bars, 33 inch Open Country AT3 305/55R20 and dual TRD exhaust.
    What dealership are you getting your Tundra from? Last year because of supply issues, I had to get my 2021 Tundra from Cochrane Toyota.
     
  7. Aug 4, 2022 at 8:41 PM
    #97
    in_the_mud

    in_the_mud New Member

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    Raph
    Calgary, AB
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    2020 Tacoma TRD ==> 2022 Tundra Limited TRD
    In 2020 I had to get a Tacoma from Heninger because there was no Tundras at the time anywhere. I went with Canyon Creek this time because Heninger wanted to charge an extra $8-$10k over MSRP.
     
    excelw and IsaiahCanada like this.
  8. Aug 4, 2022 at 10:33 PM
    #98
    MadMaxCanon

    MadMaxCanon New Member

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    Too many, but not enough....
    Never finance through the dealer, get yourselves into a credit union with half the rate.
     
    Tundralicious likes this.
  9. Aug 4, 2022 at 10:54 PM
    #99
    trazerr

    trazerr New Member

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    Oregon
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    My CU is one percentage point higher than the current Toyota rate (3.99 vs 2.99). In 2017 my CU was wayyy lower than Toyotas offer. I could get 3.74 from them best case since I have checking/savings with them and low 800’s credit score.

    I found some other CU’s even higher than mine is right now.. in the 4’s for 60 months. I didn’t look through many but only one CU I found was 2.99. If you bank with them then 2.74. Crazy ish.
     
  10. Aug 5, 2022 at 5:59 AM
    #100
    MadMaxCanon

    MadMaxCanon New Member

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    Too many, but not enough....
    Thats nuts, I haven't looked recently I guess. When I bought late in 2020 the dealer wanted 4% for 60 months but my CU was about 2.5 for 72. Was a no brainer then.
     
  11. Aug 5, 2022 at 6:18 AM
    #101
    Robbsolid

    Robbsolid New Member

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    Puyallup, WA
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    Did the 2.9 for 60 months. I just see them continuing to go up
     
    MadMaxCanon likes this.
  12. Aug 5, 2022 at 5:34 PM
    #102
    Tundralicious

    Tundralicious New Member

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    Stock for now
    Oups I was looking at the Leasing section. My bad.
     
    IsaiahCanada likes this.
  13. Aug 5, 2022 at 7:13 PM
    #103
    BREAKAW

    BREAKAW New Member

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    I got 1.19 percent with NFCU.
     
    Henry1jg likes this.
  14. Aug 6, 2022 at 3:53 PM
    #104
    IsaiahCanada

    IsaiahCanada New Member

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    2021 Tundra SR5 Crewmax 4x4
    2.5 inch lift, TRD front and rear sway bars, 33 inch Open Country AT3 305/55R20 and dual TRD exhaust.
    You win!
     
    BREAKAW likes this.
  15. Aug 6, 2022 at 4:14 PM
    #105
    Sundog

    Sundog Zoom Zoom

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    NFCU has always had really good auto loan and mortgage rates IMO
     
    BREAKAW and IsaiahCanada like this.
  16. Aug 6, 2022 at 9:06 PM
    #106
    DexterL

    DexterL New Member

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    strongly disagree. Putting $50+k down to buy a vehicle when you can finance it for under 4% and pay additional principal to pay it off quickly is a far better use of $$. Put half down invest the rest in your business, stocks, bonds, real estate or he’ll a high interest savings account right now and you’ll do far better and be out way less cash, unless you don’t know how to play the game. Financing makes TONS of sense on lots of big purchases if you “can” actually afford them… If I had $10m in the bank, I’d still finance all my cars, the rich lease cars, they don’t buy them.
     
  17. Aug 8, 2022 at 2:26 PM
    #107
    x47

    x47 New Member

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    The lowest I've seen is with my local CU at 3.09% (60 or 72 months same rate) if you have the right perks. 3.69% otherwise.
     
    Last edited: Aug 8, 2022 at 2:48 PM
    IsaiahCanada likes this.

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