Hello Hackrs,
Pls clarify - if I can get say, 8% off MSRP, say $44K 2019 4runner down to $41K yet RV is still based on MSRP then why does getting price down matter to me when doing a LEASE? Even if I do a buyout the buyback price is based on RV not the price I negotiated right?
And the lease tax in CA is based on 36mo depreciation so again doesn’t matter what I negotiate MSRP to, no? What am I missing? (Other than brain cells?)
Looking at a high RV 66%? 4runner TRD Pro (36 mo/can do 10K or 12K, sales tax here is 7.5), but Myfico auto score is 651 or less (depending on version), am I crazy to lease?
Income has boosted to low 6-figures in last 2 years and Hyundai was financed and paid off on time in 2013. I do have large student loan debt and 2 credit cards. All current now. I rent. No other obligations.
If I cant get bumped into tier 2 then should I wait?
If my MF is over .00230 or say, higher than 5 or 6%, should I run? What’s the cutoff? I cant afford a finance.
There probably wont be any discounts on 4runners this year I heard. Does that make it a bad deal already? I’d like a fun 4x4 to drive, not necessarily with a truck bed.
Leasewizard says I can expect to provide a cap reduction and to provide a security deposit. I’ll do an MSD as it’s refundable. Idk, maybe I can cough up an extra $2500 (in addition to acq. fees, first month and the other doc fees and crap). Is that enough?
If my lease payment is over 500 I’d probably not do it.
(I have emailed a dealer on this forum, awaiting response.)
Thanks fellow hackrs!