2019 Toyota Tacoma DCLB 4wd Premium & Tech - Denver, CO - One Pay - 24mo / 12k

LHers,

One dealer in CO doesn’t do one-pay or msd’s, another stopped responding, and a third is interested. Dealer gave me an all in number of $9507.96 including $600 dealer fee and $27 reg fee. Excluding fees that is still $8880.96 / 24 = $370.04 or $396 / mo including fees.

Was really thinking this would be an effective price of $325 month on a one pay deal. Am I really that far off? Based on the Cody and Boston deals I see anyways.

Truck: 2019 Toyota Tacoma DC LB 4wd
MSRP: $42,378
Sales Price: $38,425
RV: 78% or $33,055
MF: .00130
Tax: 8.31%

Is there a way on the LH Calc to account for one pay? Or any other calc out there that does it? Or do I just back out the interest on the $5,370.

If I get the sales price to $37,823 it looks like with tax I could get to $315 month w/ tax X 24 = $7546 + $627 fees on a one pay?

Long time reader, new forum member. Any ideas on sharpening the pencil? It looks like pressing on the Sales Price is really the only place to get the total down? Thanks in advance for the input or direction.

For the calculator on a one pay, use the one pay mf and add up all the payments. The last one pay in Denver posted was at groove(that was a legit deal)

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Pretty good price for TRD LB with no incentives. Tech and Premium is nice with JBL, moonroof and leather.