JohnB225

Does anyone have links to an atomic silver with the black wheels? There was one post earlier here but a bad angle and I'm trying to see more shots. I need to decide between Atomic Silver and GWB. I thought GWB was my top choice but now I'm not sure. Lucky to have these two options!!

DLPTony

I agree, credit unions are the way to go. I snagged 2.4% in March with an 805, missed the 1.9% offer by one month. Damn those Pembroke Lexus people. 🙄🤬 Now USAA starts at 4.99%! Checked NASA credit union (It is easier for the general public to join them.) and they start at 4.83%.

Good luck and keep us posted!!

jororo

Interesting. Reached out to a couple Toyota dealers yesterday about getting a new Sequoia. One replied that they “require the vehicle to be financed with Toyota as well as vehicle to be traded in.” Told them to go fly a kite, and that’s before learning from you that Toyota Financial is at 8%.

303CIDV8

I can take some pics of my IS500 later today and post them for ya if that's helpful. My IS500 is an Atomic/white with the black BBS wheels.

Cvija

You were right to tell them to go "fly a kite". I would have used a different "F" phrase. They cannot demand you finance with them or trade a car in. That is BS. It is not illegal, but it is definitely BS and bad for business. I think they were getting away with that during the initial market shortage due to low rates, but they are going to learn quickly that that BS doesn't fly when demand is down and people who are buying are more hesitant to spend the money when the rates are high.
I hope people treat those dealerships the way they deserve to be treated and take their business somewhere else.

Kanpai

Yeah Navy Federal is right in the same range as USAA, so the big boys are staying high. I am going very local CU for my rates.

Fman2118

I got 2.09% through Chase bank.

Cvija

Recently or sometime before May or June this year?

Fman2118

It was last spring. Their new car rates are 3.99 and refinancing rate is 2.49 I believe. You might be able to refinance a loan if you have a higher rate. It might be worth a call.

Moonman89

I got my IS500 for 1.9 APR for 60 months this was back in January.

Cvija

Yes, that makes sense for last spring. I just got mine this month and got 2.64 and considering the Fed rates, 2.64 is good. I will call Chase once I get the car and see what their refinance rates are.

Cvija

Yes, that rate for January of this year makes sense.
I think some people are asking for right now and right now those low rates do not exist.
If I am not mistaken, right now, if you have excellent credit, you are looking at 3.3-3.5% for 60 months and most of that is through CU.
Fman2118 has mentioned that Chase may have 2.49% for refinancing. Anyone looking, give them a call and find out what are the terms.

jororo

Ya, my guess is some consumer protection or even banking laws are being violated, so passed on the email to Utah’s attorney general’s consumer protection division as well as Utah’s motor vehicle enforcement division.

Definitely not my situation, but the idea that this dealership would not sell to someone who doesn’t have a trade-in doesn’t sit right with me. Too many people don’t have a trade-in, be it because they are fresh out of the military, newly divorced or recently had their car totaled. Not right to exclude such people.

JohnB225

That would be awesome, thanks!!

JohnB225

That would be awesome and super helpful. Thank you!