The reason you got them to come down $4600 on the price was the trade. If you didn’t have a trade they wouldn’t have done it. They’ll make $5000 on your trade and sold a new vehicle. The more new vehicles they sale the more toyota gives them and they make bonuses on volume of new car sales.
Also try your insurance agent. Some offer Gap on their policies
Tell them you’ll do the $34,282 if they put a pro grille on or give you a platinum extended warranty with it or something like that. Get something extra added you want to it. Pro tail lights, pro head lights, pro skid plate, pro fog lights all look better than the TRD sports IMO. Or make them come down the $282 they aren’t usually going to look a deal over a few hundred dollars but I’ve seen them walk away for less.
It all depends location of dealers and states with prices. But in all reality the price difference is only going to be 1000-1500$. I purchased my trd off road access cab inferno orange on a manager special with a couple add ons(predator side steps and the orange accent interior) for 33,500$ of course it was sitting on the showroom,lol. They started at 34,900$. I was upside down 3k on my trade in(early lease trade). I paid them 3k in cash for my depreciation and they took off 1400$ for the tacoma. I scratch their back, they be happy and give discount. It's all about what you have for them and negotiating.
Not like that all the time. I know, maybe loan is not the smartest decision, especially if we're talking about cars. But there is always but. I think this article https://plscashadvance.com/are-no-credit-check-cash-loans-real.html might be useful for you (not a spam), before making a final decision.
