2020 RAV4 XLE Purchase

Looking to buy a 2020 RAV4 XLE in the next couple of days. Using the Build app on Toyota's website, my dream configuration (fwd / Convenience Package / Cold Weather Package / Audio Plus ) comes to $31,500. I'm looking to do 0 down and finance for 84 months. I live in the state of Arkansas if that helps answer my question which is: I'm terrible at negotiating a price off MSRP. I was wondering what would be a good offer for this vehicle? Thanks for any help.
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