# 2022 Toyota Tacoma (39 month, 39k, $274 per month, $6k DAS) **URL:** \ **Category:** Ask the Hackrs\ **Tags:** ky, toyota\ **Created:** [April 28, 2022, 8:53pm UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857 "2022-04-28T20:53:35Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![Srmcgill](https://leasehackr.b-cdn.net/letter_avatar/srmcgill/32/5_5575768a8748004e209b776fc1b2916d.png) [@Srmcgill](https://forum.leasehackr.com/u/Srmcgill)\ **Post date:** [April 28, 2022, 8:53pm UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/1 "2022-04-28T20:53:35Z")
Hey guys wondering what your thoughts are on the following deal. 2022 Toyota Tacoma SR 4x4 v6 double cab ![image](https://leasehackr-assets.b-cdn.net/original/3X/c/d/cde48fe8a73e0f8a2d2a02a1ff715136ab33d3b5.jpeg) Number given to me: Market Value- $38,997.00 ($$3000 market adjustment included) Government Fee - $85:00 Proc/Doc Fee- $200.00 Trade Allowance: $22,500.00 Trade Payoff: $16,552.56 Residual Value: ＄29,877.00 Money factor : .00137 with CULA through local credit union Total Payment: ＄274.46 Included some random dealer itemized accessories fee $299, and a All Season Pro Package ($1696) basically all weather scratch and dent protection inside and out. I am trading in my 2020 Honda Civic lease It has 26,000 miles on it. They are accepting it on trade because they own a Honda dealership within the dealer family. So I’m able to do the whole deal in house still Even moving from Honda to Toyota. essentially they are selling it to their Honda dealership and then I am buying through their Toyota dealership Crazy thing is I bought the civic for 19 K. So pretty great equity in it. ---
**Author:** ![max\_g](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/max_g/32/9426_2.png) [@max\_g](https://forum.leasehackr.com/u/max_g)\ **Post date:** [April 28, 2022, 9:47pm UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/2 "2022-04-28T21:47:59Z")
1. Don’t put your trade equity down, let alone $6,000. You’re just letting them hoodwink you into thinking the lease is less expensive than it actually is. 2. How do you know your trade valuation is in the ballpark? It’s irrelevant what you paid back in the day. What are all the other buying services offering **now**? ---
**Author:** ![mastergm](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/mastergm/32/80712_2.png) [@mastergm](https://forum.leasehackr.com/u/mastergm)\ **Post date:** [April 28, 2022, 11:18pm UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/3 "2022-04-28T23:18:50Z")
I would buy this instead. ---
**Author:** ![Srmcgill](https://leasehackr.b-cdn.net/letter_avatar/srmcgill/32/5_5575768a8748004e209b776fc1b2916d.png) [@Srmcgill](https://forum.leasehackr.com/u/Srmcgill)\ **Post date:** [April 28, 2022, 11:23pm UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/4 "2022-04-28T23:23:03Z")
Thanks for the reply @max_g 1. Fair enough. Honestly I was just trying to get into a truck for less than 300 a month that is my overall goal. 2. Honda dealership offered $21,600 Equity Hacker $20,684 Caravana: $21,644 ---
**Author:** ![Srmcgill](https://leasehackr.b-cdn.net/letter_avatar/srmcgill/32/5_5575768a8748004e209b776fc1b2916d.png) [@Srmcgill](https://forum.leasehackr.com/u/Srmcgill)\ **Post date:** [April 28, 2022, 11:23pm UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/5 "2022-04-28T23:23:59Z")
Thanks for the feedback. @mastergm I’m Needing a payment under $300 a month hoping to get a new truck. Any thoughts? ---
**Author:** ![Bumboola](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/bumboola/32/217759_2.png) [@Bumboola](https://forum.leasehackr.com/u/Bumboola)\ **Post date:** [April 28, 2022, 11:49pm UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/6 "2022-04-28T23:49:13Z")
The problem is you’re not _truly_ getting this truck for under $300 a month. Taking your 6k equity and dividing it by the 39 month term equals $154. So you’re effectively paying $428/mo for the truck as it stands ---
**Author:** ![Gearhead](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/gearhead/32/22582_2.png) [@Gearhead](https://forum.leasehackr.com/u/Gearhead)\ **Post date:** [April 28, 2022, 11:59pm UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/7 "2022-04-28T23:59:22Z")
> [@Srmcgill](#): > > under $300 a month hoping to get a new truck. Any thoughts? Calculate your total lease cost. Your equity = down-payment and does not reduce the total lease cost. ---
**Author:** ![Srmcgill](https://leasehackr.b-cdn.net/letter_avatar/srmcgill/32/5_5575768a8748004e209b776fc1b2916d.png) [@Srmcgill](https://forum.leasehackr.com/u/Srmcgill)\ **Post date:** [April 29, 2022, 12:05am UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/8 "2022-04-29T00:05:25Z")
Crappy deal for sure. I definitely need to find a deal where I can pocket the cash. @Bumboola ---
**Author:** ![Bumboola](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/bumboola/32/217759_2.png) [@Bumboola](https://forum.leasehackr.com/u/Bumboola)\ **Post date:** [April 29, 2022, 12:07am UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/9 "2022-04-29T00:07:52Z")
I’d recommend separating the two transactions. Sell your civic in one transaction, negotiate the lease of a taco in another Second, do some research in the marketplace and shared deals section to find comparable discounts (if any) and deals on the model you’re looking for. Next, head to edmunds forums to see what the MF and residual are for the month. Then approach dealerships with a structured deal using these numbers. _Don’t ask them for a quote._ Come to them with an offer and let them counter ---
**Author:** ![syedhasan](https://leasehackr.b-cdn.net/letter_avatar/syedhasan/32/5_5575768a8748004e209b776fc1b2916d.png) [@syedhasan](https://forum.leasehackr.com/u/syedhasan)\ **Post date:** [April 29, 2022, 12:11am UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/10 "2022-04-29T00:11:42Z")
@Jrouleau426 he got Tacomas comings in - philly area ---
**Author:** ![volvo1](https://leasehackr.b-cdn.net/letter_avatar/volvo1/32/5_5575768a8748004e209b776fc1b2916d.png) [@volvo1](https://forum.leasehackr.com/u/volvo1)\ **Post date:** [April 29, 2022, 12:14am UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/11 "2022-04-29T00:14:14Z")
> [@Srmcgill](#): > > Market Value- $38,997.00 ($$3000 market adjustment included) > Government Fee - $85:00 > Proc/Doc Fee- $200.00 > Trade Allowance: $22,500.00 They are giving you equity and marking up the purchase price of the car. Run a LH calc without the equity and see what deal you are actually getting. Get quotes for the Civic on Carvana, VROOM, etc. Find a dealer that is selling at MSRP (there are a few). Good luck and let us know! ---
**Author:** ![Pinhigh27](https://leasehackr.b-cdn.net/letter_avatar/pinhigh27/32/5_5575768a8748004e209b776fc1b2916d.png) [@Pinhigh27](https://forum.leasehackr.com/u/Pinhigh27)\ **Post date:** [April 29, 2022, 12:25am UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/12 "2022-04-29T00:25:29Z")
What do you mean park the cash? You can use the cash to make the payments. You don’t have to put it down. That is what people are saying. There is nothing inherently good about putting cash down, it just reduces the payment by an appropriate amount. Putting 6k down and paying 300k a month is similar to putting nothing down and paying 480 a month, excluding risk for down payment in event of total/car damage. Mentalities like “ I have to have a payment less than 300 a month “ aren’t going to help you. ---
**Author:** ![Srmcgill](https://leasehackr.b-cdn.net/letter_avatar/srmcgill/32/5_5575768a8748004e209b776fc1b2916d.png) [@Srmcgill](https://forum.leasehackr.com/u/Srmcgill)\ **Post date:** [April 29, 2022, 12:32am UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/13 "2022-04-29T00:32:11Z")
@Pinhigh27 pocket not “park” typo sorry. Great advice, thank you for that. Make perfect sense ---
**Author:** ![Srmcgill](https://leasehackr.b-cdn.net/letter_avatar/srmcgill/32/5_5575768a8748004e209b776fc1b2916d.png) [@Srmcgill](https://forum.leasehackr.com/u/Srmcgill)\ **Post date:** [April 29, 2022, 12:34am UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/14 "2022-04-29T00:34:06Z")
@volvo1 any advice on getting out of a Honda lease. Is it best to buy the car and then try to sell it? With lease buyout restrictions trying to sell to a third-parties has been difficult. But there may be something I don’t know. ---
**Author:** ![mastergm](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/mastergm/32/80712_2.png) [@mastergm](https://forum.leasehackr.com/u/mastergm)\ **Post date:** [April 29, 2022, 12:40am UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/15 "2022-04-29T00:40:49Z")
You can try getting the Nissan Frontier. They probably still have those crazy deals, with $0 to very little down under $300/mn (depending on region). ---
**Author:** ![volvo1](https://leasehackr.b-cdn.net/letter_avatar/volvo1/32/5_5575768a8748004e209b776fc1b2916d.png) [@volvo1](https://forum.leasehackr.com/u/volvo1)\ **Post date:** [April 29, 2022, 12:45am UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/16 "2022-04-29T00:45:30Z")
[List of Lenders that Allow for Third-Party Buyouts](https://forum.leasehackr.com/t/list-of-lenders-that-allow-for-third-party-buyouts/368594) I included the list of lenders that third parties can buy leases from. It appears that Honda is not one of them. However, I would use the third party services to determine your car’s value and then call up some Honda dealers and ask if they are willing to buy out your lease for that price and write you a check for the equity. ---
**Author:** ![Jeff\_BeachCitiesAuto](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/jeff_beachcitiesauto/32/246578_2.png) [@Jeff\_BeachCitiesAuto](https://forum.leasehackr.com/u/Jeff_BeachCitiesAuto)\ **Post date:** [April 29, 2022, 1:31am UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/17 "2022-04-29T01:31:37Z")
As Mastergm said you should definitely go for the Frontier lease instead. It doesn’t sound like you are married to a Tacoma and the Frontier Lease is way less. 18 month is the best term on the Frontier and getting to your target payment is much easier. ---
**Author:** ![Jrouleau426](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/jrouleau426/32/195763_2.png) [@Jrouleau426](https://forum.leasehackr.com/u/Jrouleau426)\ **Post date:** [April 29, 2022, 3:39pm UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/18 "2022-04-29T15:39:55Z")
I’m $1000 over msrp on the sr double cab. At msrp on the access cab if interested. Saves you 2-3k over current deal. You can sell your Honda to any Honda dealer. Just call around for the best price. I can help with that also if you don’t want to deal with it. Prob have more equity then they’re giving you… Jim 215-359-6836 ---
**Author:** ![Srmcgill](https://leasehackr.b-cdn.net/letter_avatar/srmcgill/32/5_5575768a8748004e209b776fc1b2916d.png) [@Srmcgill](https://forum.leasehackr.com/u/Srmcgill)\ **Post date:** [April 29, 2022, 8:22pm UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/19 "2022-04-29T20:22:51Z")
Ok everyone, thank you all so much for your advice. @Jeff_BeachCitiesAuto @mastergm @wantingadeal thanks for suggesting the fronteir. Singed a deal today. Here’s the final Numbers. “New 2022 NissanFrontier SV Truck Crew Cab” Lease Terms : 18 months, 10k per year (15k total) Payment: $192.76 Residual: 94% ($35,156.00) Price of Vechicle: $37,400 (no mark up) MSRP: $37,400 Prepaid maintenance (3 visits every 5k): $149.00 Gross Cap Cost: $37,549 Amount Due at Signing Cash Down Payment: $2,130.41 First Payment: $192.76 Total fees: $1197.00 Upfront Sales/use tax: $127.83 Total amount due at signing: $3648 Trade In: (dealer has honda dealer in the family) $22,750 Honda Civic 2022 lease (payoff $16,694) Total Equity: $6056 Put $3,648 total amount due at signing Dealer wrote me a check for the remaining equity: $2,408 equity ![IMG_2650](https://leasehackr-assets.b-cdn.net/original/3X/a/2/a2947cf0357a6c375223f07db43defb70ef386a8.jpeg) ![IMG_2657](https://leasehackr-assets.b-cdn.net/original/3X/7/5/75b4fa21506ada07e5d1d5be3b99fde0fc9abde5.jpeg) ---
**Author:** ![Jrouleau426](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/jrouleau426/32/195763_2.png) [@Jrouleau426](https://forum.leasehackr.com/u/Jrouleau426)\ **Post date:** [April 29, 2022, 8:30pm UTC](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857/20 "2022-04-29T20:30:25Z")
So 400/mo for the frontier? Seems high for an msrp deal… [Next page](https://forum.leasehackr.com/t/2022-toyota-tacoma-39-month-39k-274-per-month-6k-das/416857.md?page=2)