I feel you. The lending game sucks right now. I ended up adjusting my purchase date so I could save more and put 16k down with a 800+ credit score on a ‘24 woodland edition. My rate was 8%. Toyota finance was literally dollars difference from local lending institutions. It sucks, but it is what it is right now. Motivation to pay that off ASAP I guess. I took the 66 month payment with the intent of paying off early while being in a comfortable payment zone if I have to just ride it out. The money game sucks. My wife’s ‘21 Rav is 2% for reference. Done thru Toyota.
I feel you. The lending game sucks right now. I ended up adjusting my purchase date so I could save more and put 16k down with a 800+ credit score on a ‘24 woodland edition. My rate was 8%. Toyota finance was literally dollars difference from local lending institutions. It sucks, but it is what it is right now. Motivation to pay that off ASAP I guess. I took the 66 month payment with the intent of paying off early while being in a comfortable payment zone if I have to just ride it out. The money game sucks. My wife’s ‘21 Rav is 2% for reference. Done thru Toyota.