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I haven't bought a car since '05, but now it's time. I'm not real happy about it considering the state of the market right now, the advantage is definitely in the hands of the sellers considering the shortage, IE demand is high and supply is low (or at least, lower than usual).

I think I have my heart set on a Toyota 4 Runner or Highlander. I plan to get something gently used which is Toyota certified.

Any tips? Should I get the financing from a financial institution or through the dealer? Anything else I need to know?

I haven't bought a car since '05, but now it's time. I'm not real happy about it considering the state of the market right now, the advantage is definitely in the hands of the sellers considering the shortage, IE demand is high and supply is low (or at least, lower than usual). I think I have my heart set on a Toyota 4 Runner or Highlander. I plan to get something gently used which is Toyota certified. Any tips? Should I get the financing from a financial institution or through the dealer? Anything else I need to know?

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[–] • 0 pt

throw 20k down and put 10k pay it off in 12 months. Fine, if you can do it, but if shtf and that interest shoots up to god knows where, you'll be fucked. then again someone would have to come and get it... lol

[–] • 0 pt

No one does variable interest rates anymore except for cc, maybe?

[–] • 0 pt

Yeah I thought that I’d get a fixed rate. In any case, I plan to pay if within a year like I said.