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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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Fix your current car. I am a mechanic and will never own a vehicle newer then ‘08 again. All the newer cars are direct injection(fuel injector sprays fuel directly into the cylinder). On older cars the fuel cleans the intake valves of all the carbon deposits the EPA put there with EGR systems. Newer cars need fairly routine valve cleaning as a result. Direct injection requires a high pressure fuel pump and expensive injectors that are prone to failure. I’m doing a high pressure pump on a 2018 Chevy with 80k Monday. That being said I love them…they pay my bills.