Grand Highlander Limited or better vs Lexus RX — Financing vs Lease (SETF Region, Open to Out-of-State + Shipping)

Ask the Hackrs
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1

I was set on a Grand Highlander Limited, but Lexus is advertising 2.9% APR for 48 months on the RX vs Toyota at about 4.99% APR for 48 months. Payments between the two look pretty close, even though the RX is smaller.

I’m in the Southeast (SETF region), but open to traveling or shipping a car if out-of-state dealers have better programs. Also willing to consider demos/loaners if it helps the numbers.

Questions for the group:
•Anyone recently finance or lease either model — what MF/RV or APR did you actually get?
•Has anyone had success avoiding SETF add-ons or financing restrictions by going out of state?
•Any tips on tracking demo/loaner units (worth asking every dealer, or just Lexus)?
•Shipping recommendations if buying out of region?

Thanks in advance — trying to figure out if RX financing is the smarter play vs Grand Highlander in SETF land.

2

Unless you absolutely need the size of the GH, it’s RX all the way. Finance all the way.

The only Lexus with a hackable lease is the RZ.

3

Yea I looked at rz but not a huge fan. Have any good Lexus dealerships? I would even get demo if I could get my hand on one.