I have been shopping around for a 2020 Lexus GX 460 SUV. Here is the best I have done thus far. Please let me know your thoughts and what I have left on the table. According to the dealer they are $2500 below invoice.
36 months, 12 k miles
Total drive off of $732 (1st payment plus $174 in taxes)
9 MSD of $5175
APR: 2.64 (MF of 0.0011)
APR with MSD: 0.90
$558 a month with 7.75 % tax included.
No Lexus loyalty.