Toyota 4runner numbers, pls review/advise

Hi hackrs
With my fico auto score of 651 I’m hurting.
36/10 lease on a 4RUNNER TRD Pro.
I can’t do 6750 in MSDs, maybe half that.
So this is through Toyota financial.
Does anyone know a good statewide CALIFORNIA credit union that does leases?
I live in Norcal, above sacramento.
$650 on a lease is high. Maybe I can ask for a 24 mo lease or try a cheaper 4runner?

Here are the numbers based on my score.
$1315.57 drive off
$6,750 MSDs
$687.01 plus tax
$736.82 with Tax

If we were able to bump to tier 2: .00253 (After MSDs)
$1230.40 drive off
$6,075 MSDs
$607.60 plus tax
$651.65 with tax

A post was merged into an existing topic: Lease 4runner, Sacramento. Credit 660