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[Spidey]

Tkb previously said:

I've been poking around here for a while now and am ready to take the plunge... Here's my situation -

My credit aint too great, but I can get financed at around 13%. The dealer was trying to see about a lease and said with my credit it may be the best way to go and then buy it out at the end. I'm not too keen on this. I've already financed and paid off my last vehicle through Toyota.

I want a sandstorm '08 4x4, with CQ OF not a lot of extras... I'm thinking that aftermarket add on's would be cheaper instead of adding accessories on to the finance deal.
I found a dealer who was willing to go about 500 over invoice... (After checking the pricing thread and spreadsheet, I confirmed this)

I currently own an '02 Tacoma xtra cab Prerunner that's in good condition, 80,000 miles, has the snugtop and totally paid for. Dealer offered me 8,000 for trade in.

My situation is such right now that I could carry around $500mo in payments and can seem to get around there with what I described above...

I'm curious what people think and if I'm missing something obvious? or am I being a fool accepting the terms above.

BTW I'm in northern california if it matters.

Thanks in advance for helping a noob out.

Tkb

I used Carsdirect.com extensivly for online pricing and took that number to Moss Bros in Moreno Valley CA...They matched the price which was far cheaper than anywhere else.

Do you know your credit score?

https://www.annualcreditreport.com/cra/index.jsp

Yup, that one is FREE as mandated by legislation.

If you know your score, then you have a bit more muscle in negotiations.

Also, if you sell the other vehicle privately, and then take out a loan and use the proceeds to pay down the loan, it helps in building your score.

Spidey.