2020 Toyota Tacoma TRD OR 4WD DCSB - Prem & Tech - One Pay - 24 / 12:
MSRP: $44,288
One Pay: $7478 effectively $312 month
Drive-Off Amount: $7478
Months: 24
Annual Mileage: 12,000
MF: .00135 - TFS
Residual: 80% or $35,430
Incentives: $1250 Rebate
Region: Colorado
Acquisition: $650
Tax: $334.15
Still have a steep CO Registration to pay 
Does Onepay change the MF with TFS?
Think one-pay is .001 reduction with TFS.
Initial offer was .00165 - I asked for .00130 as I was offered that by another higher priced dealer and they came back at .00135. Stated that they had to call and get an exception with TFS for that fwiw.
This a great deal compared to what I’ve been seeing here in SoCal (LA). I’ve been looking at this exact build and set of terms (except not doing a one-pay) and I’m getting monthly numbers from $440-$550, which seems ridiculous to me. What would your monthly have been without the one-pay? Also, how much off MSRP did you settle on? Thanks for sharing btw, I’ve been waiting to see a 2020 Tacoma OR (especially with this package) post for a while.