Car buying advice RAV4 LE FW 2019

Kkff

I’m interested in buying new 2019 RAV4 LE FW. I’m trying to negotiate via email with dealers. I’m requesting out of door price $24,780. One agreed if financed thru Toyota. My credit is excellent. Would that be good deal? I’m interested in Platinum warranty as well. I pack miles on vehicles. Any cost advice??

kyfdx

Kkff said:

Financing apr for 60/66 months are 4.9/5.19%. That’s whats killing me. I got excellent credit. If I go any lower with 4%APR I loose rebates/cash back. I feel like I can’t win there either. Financing 21,400 is making payments of $400 plus!!! I can manage $350/365 for 60/66m. I’m trying my best. 

Financing is just math. If your budget is $365 for 60 months, the most you can finance is $18,000. You might be shopping for cars that are out of your budget capabilities.

kyfdx

Kkff said:

I’m interested in buying new 2019 RAV4 LE FW. I’m trying to negotiate via email with dealers. I’m requesting out of door price $24,780. One agreed if financed thru Toyota. My credit is excellent. Would that be good deal? I’m interested in Platinum warranty as well. I pack miles on vehicles. Any cost advice??

You have to know the rate you'll pay through TFS. It's likely the dealer gets a big bonus, if they can sign you up for a marked up APR.

You can research pricing, here:
https://www.edmunds.com/tmv.html

Kkff

Financing apr for 60/66 months are 4.9/5.19%. That’s whats killing me. I got excellent credit. If I go any lower with 4%APR I loose rebates/cash back. I feel like I can’t win there either. Financing 21,400 is making payments of $400 plus!!! I can manage $350/365 for 60/66m. I’m trying my best. 

Kkff

Thanks I’m not sure if I was asking for an unreasonable amount 

kyfdx

Kkff said:

Thanks I’m not sure if I was asking for an unreasonable amount 

We don't track pricing, but you can research it, here:
https://www.edmunds.com/tmv.html