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  1. #1
    Don't try. Do. omnip0tent's Avatar
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    Need to buy a new car... How do I avoid getting ripped off?

    I come to you wise misc, for advice. Please steer me clear of all the pitfalls of purchasing a car.

    My old car is slowly dying, id be shocked if it lasted another 6 months. So I do have some time on my side to make a good purchase.

    My situation:
    - 800 credit, no debt, 40k max spending limit

    What I'm looking for:
    - Truck (Toyota, Chevy, GMC, I have no brand loyalty)
    - Mid size, but if I can get a nice full size for under 40k I'll take that too.
    - Must be 4 door. None of the half door crap.
    - Less than 20k miles, no older than 2019, I will also accept new with a nice financing deal or something
    - I WANT 4x4. Unless its impossible to find something I want with 4x4 under 40k

    My questions:
    - Anyone have a similar truck? how much did you end up paying at the end (for just the car, not financing charges)
    - Any tips or tricks to not get ripped off?
    - How can I see what cars have sold for so I know fair prices? I don't really trust what im seeing on the dealer sites etc...
    - I have a ton more im sure u guys can fill in with random info


    Example:
    https://www.kendalltoyota.com/invent...z5anxmt025022/

    minus the red color, id be happy to have something like this. Is the 41.8k listed fair at all? What ball park price am I looking for, for this type of truck?
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  2. #2
    Texan Krackerjacked's Avatar
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    Had a frontier and always been a full-size guy. While the frontier did decent off-road, I can’t say I’d go midsize again personally. Full-size these days get similar or even slightly better mpg and you get so much more truck. With the big rebates you can typically get a crew cab 4x for under 40. Not sure if you want leather though, that’ll usually bump it up.
    Titans used to be great for the money but covid has flipped everything upside down and trucks in general are pricey now.
    I typically just hop on auto trader and plug in features you want and sort from the lowest price. From then I test drive whatever I’m considering and go from there.
    Best of luck to you brother!
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  3. #3
    Registered User akmerle's Avatar
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    What are you going to use it for?

    My reason for asking is that I have owned two Tacomas previously, and bought a 4Runner for the wife. The 4Runner is SOOOOO much better than the Tacomas were except for the seldom time where I was putting something in the bed which was taller than the cab, or longer than the bed. Even then, there is a TON of room inside a 4Runner when you fold down the back seats. I would say more room / longer than a short bed Tacoma with the tailgate up. 4Runner also has much better seating position, better rear leg room than a crew cab Tacoma, and still has the 4.0L / 5 Speed combo and not the 3.5L camry motor and trans in the current gen Tacoma that folks are hating.

    Also, I would test drive a Tundra if I were you (or any full size, they all are good trucks now). For the couple MPG hit you will take, you get so much more interior room, power, comfort, and capability. There is a reason why the overwhelming majority of folks upgrade from mid size to full size trucks, and only an extremely small percentage of folks switch from full size to mid size.
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  4. #4
    Don't try. Do. omnip0tent's Avatar
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    Originally Posted by Krackerjacked View Post
    Had a frontier and always been a full-size guy. While the frontier did decent off-road, I can’t say I’d go midsize again personally. Full-size these days get similar or even slightly better mpg and you get so much more truck. With the big rebates you can typically get a crew cab 4x for under 40. Not sure if you want leather though, that’ll usually bump it up.
    Titans used to be great for the money but covid has flipped everything upside down and trucks in general are pricey now.
    I typically just hop on auto trader and plug in features you want and sort from the lowest price. From then I test drive whatever I’m considering and go from there.
    Best of luck to you brother!
    Hmmm 2 guys mentioning full size. Really I was just trying to save a few grand (since I wont be needing full truck power), but if I can afford it yolo.

    Originally Posted by akmerle View Post
    What are you going to use it for?

    My reason for asking is that I have owned two Tacomas previously, and bought a 4Runner for the wife. The 4Runner is SOOOOO much better than the Tacomas were except for the seldom time where I was putting something in the bed which was taller than the cab, or longer than the bed. Even then, there is a TON of room inside a 4Runner when you fold down the back seats. I would say more room / longer than a short bed Tacoma with the tailgate up. 4Runner also has much better seating position, better rear leg room than a crew cab Tacoma, and still has the 4.0L / 5 Speed combo and not the 3.5L camry motor and trans in the current gen Tacoma that folks are hating.

    Also, I would test drive a Tundra if I were you (or any full size, they all are good trucks now). For the couple MPG hit you will take, you get so much more interior room, power, comfort, and capability. There is a reason why the overwhelming majority of folks upgrade from mid size to full size trucks, and only an extremely small percentage of folks switch from full size to mid size.
    I'm going to Daily Drive it, haul a bike an/or kayak regularly. And thats about it. No plans for towing or anything. But living in Miami, flooding when it rains is a real issue. So a car with height is what lead me to a truck, id like to have the flexibility of the bed. But the Drive train thing you just mentioned makes me rethink the tacoma.



    Also a boat in the future is always a possibility. Just not in the current 5 year plan
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  5. #5
    Registered User akmerle's Avatar
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    For tips to not get ripped off.....

    - ALWAYS be willing to walk away, they need you and your $$$$, there are and always will be other vehicles that will work for you,
    - Always have financing pre-arranged and approved with your bank before talking $$$, but with your credit score you may be able to get 0% financing,
    - Always be willing to walk away,
    - Never tell them about trading your vehicle in until you have already agreed on the price of the new vehicle,
    - Always be willing to walk away,
    - If they wont come down further on price, be sure to ask for other items such as extended warranty, extended free service plan, accessories such as tires / tint / ceramic coating / etc, and
    - Always be willing to walk away.
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  6. #6
    Don't try. Do. omnip0tent's Avatar
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    Originally Posted by akmerle View Post
    For tips to not get ripped off.....

    - ALWAYS be willing to walk away, they need you and your $$$$, there are and always will be other vehicles that will work for you,
    - Always have financing pre-arranged and approved with your bank before talking $$$, but with your credit score you may be able to get 0% financing,
    - Always be willing to walk away,
    - Never tell them about trading your vehicle in until you have already agreed on the price of the new vehicle,
    - Always be willing to walk away,
    - If they wont come down further on price, be sure to ask for other items such as extended warranty, extended free service plan, accessories such as tires / tint / ceramic coating / etc, and
    - Always be willing to walk away.
    Gotcha. The walk away part im 100% good on.

    More curious on how to judge a "Fair price" is it just an easy as checking KBB?

    I heard you can ask for the invoice showing what they paid for the car & they usually pay less than that because of incentives and such, so that would be a great starting point. True or False?
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  7. #7
    The ment, enjoy it. Antonio519's Avatar
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    I go through cars pretty quickly

    The best way to not get ripped off, is having your financing ready before you go to the dealer
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  8. #8
    Don't try. Do. omnip0tent's Avatar
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    Originally Posted by Antonio519 View Post
    I go through cars pretty quickly

    The best way to not get ripped off, is having your financing ready before you go to the dealer
    This I will definitely do when im ready to buy. Right now im trying to narrow down what a "fair price" is for "X" vehicle with "XYZ" trim options
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  9. #9
    Texan Krackerjacked's Avatar
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    Originally Posted by omnip0tent View Post
    This I will definitely do when im ready to buy. Right now im trying to narrow down what a "fair price" is for "X" vehicle with "XYZ" trim options
    You can check true car
    Basically build the truck with options and dealers with that vehicle will show you their best price and be able to contact you
    I used that to get the best deal on my mustang back in 2012. Came in 1500 off msrp before the rebates.
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  10. #10
    Don't try. Do. omnip0tent's Avatar
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    Originally Posted by Krackerjacked View Post
    You can check true car
    Basically build the truck with options and dealers with that vehicle will show you their best price and be able to contact you
    I used that to get the best deal on my mustang back in 2012. Came in 1500 off msrp before the rebates.
    \

    Great tip, thanks broski. Gonna check that out.


    Will rep everyone on recharge.
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  11. #11
    Registered User Murph0408's Avatar
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    mentioned above but handle your finances before going to the dealer. i used lightstream and found it very simple and easy.

    stick to your budget. they'll work with you. nobody's paying sticker for a big truck anymore.

    don't let them play around with fees like the window etching or any of that nonsense. keep the conversation about the final price and stick within your budget. factor the taxes into your budget as well.
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  12. #12
    Registered User FChumChum's Avatar
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    I think if you flip around on the car sites, you'll get a sense of what is market.

    You might consider one of the no haggle dealers. To me, they seem more legitimate and less chances of a lemon.
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    Texan Krackerjacked's Avatar
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    Originally Posted by FChumChum View Post
    I think if you flip around on the car sites, you'll get a sense of what is market.

    You might consider one of the no haggle dealers. To me, they seem more legitimate and less chances of a lemon.
    Imo your best bet is new with rebates but if you consider going used I’d strongly recommend carvana. I’ve sold I wanna say 3 vehicles to them now and we picked up my wife’s Tiguan from them and it was easily the most smooth transaction ever and that’s coming from someone who’s owned 28 vehicles lol
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  14. #14
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    I feel like that Tacoma's overpriced. Hell you can get a brand new GMC Sierra 1500 SLE with no options for that.
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    Registered User Cartiac's Avatar
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    Also get quotes from multiple dealers and play them against each other.
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    i feel like new car is easier than used because there are less variables, its condition is known.

    the american trucks were going waay below msrp atleast a few years ago.

    Last time i bought a car i used one of those car pricing services, costco and usaa have them. of course when i got to the dealer they tried to pull some crap and the guaranteed" price was way higher. It made the negotiations go a lot faster though because now I was arguing over the price like 4k below msrp not using a msrp as a starting point. I noticed they dont like to show the invoices like they used to 10-15 years ago.

    At the end of the day all of the "fees" and "discounts" are meaningless, they get a kickback from the manufacturer plus pay invoice and will sell to you at some price over that. they can tell you some stupid story how the "documentation fee" of 800 bucks is mandatory, all of that are just stupid distraction tactics. I dont care what they call the fees. I just care what the price is. If they want to reserve a set amount of 800 for some fee, then fine reduce the other part to make it my price.

    My questions:
    - Any tips or tricks to not get ripped off? - know in advance the going sales prices, see below, know in advance what price you will pay, be ok with wasting an hour or two and walking if they cant get to that price. also get approved for your own loan at your best bank. then you will know what your interest rate is. also just calculate out ballpark what you would pay total in interest for your target loan amount over the years. Then you will know if their "deal" with their financing is worth it or not. Theirs will probably suck so then you can use yours. Some people like to wait last minute to let them know they have their own loan, eventually it will come up. Probably saves time to haggle over the price first then get there but in the end you have to address it. Remember you have your buying price, whether they say this discount is with their finance only blah blah, the question is do they get to your price. Also I like to talk final price before taxes and negotiate that. i dont talk monthly payments, those vary with down payment and loan duration ect.


    - How can I see what cars have sold for so I know fair prices? I don't really trust what im seeing on the dealer sites etc... - car forums, maybe reddit these days. Car forums still exist but often specific to a certain make / model. I knew what others were paying for my specific cars i was looking at. they will have "what did you pay for" threads.
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    Transracial Nonbinary elterrible987's Avatar
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    Also if you are still deciding which truck to buy, then go do some test drives and tell yourself you arent negotiating that day only going to test drive.

    I had my mom go test drive different cars, figure out which one she wants, then when i visited went and negotiated for her for the car she was to buy.
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    Originally Posted by JIA View Post
    I feel like that Tacoma's overpriced. Hell you can get a brand new GMC Sierra 1500 SLE with no options for that.
    On the west coast that's actually a pretty good deal on a new Tacoma. Not sure nationally but here that's low end ballpark.
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    The thing is that used vehicles in that range (almost new) go for a similar price as new. Maybe you are one that skips oil changes and does minimal maitenance and drives like the average person and it doesn't matter to you, but it does to me, and better to just pay a little more and buy new. Do your own research online and find out what incentives there are. Even if you don't qualify for some incentives/rebates/credits/ect you at least know that money is on the table. I have a 2018 Silverado LTZ, 4dr crew cab, leather, 4wd, all that. MSRP was $56k, I got it for a little over $40K before tax/tag/title. I remember there were two incentives I didn't "qualify" for, like first responder and I forgot the other, but I told them I knew GM wasn't going to take a loss just so firefithers can drive their trucks so the money is there, and I'm not paying extra because I'm not a cop or a firefighter, or a member of the military. On top of that, don't appear desparate, or have your heart set on a vehicle. Shop around, even if you say want the GMC, call more than one dealer.
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    I've found going to the lot, seeing what they've got that you are interested in and test driving is helpful. Then talk pricing- they'll try to figure out what you can afford monthly and just say fuk that I just want to know MSRP. Figure out if you can get them a little lower then regardless just say cool I'm not really interested in driving one off the lot today, but I'll contact you. When I actually want something just text them and usually can get another $500 to $1000 off.
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    When I got my last car I just emailed a bunch of dealers. After finding one that had the best price I messaged the dealer I wanted to go to and asked if they’d beat it. The Tacoma I just picked up last summer though I just walked into the dealer and honestly the price they gave me right off the bat was better than I was expecting. Most people online were claiming they had to pay sticker on a TRD Pro and some even a mark up but I ended up getting mine for 43 before tax. I usually look on the forums of whatever car I’m looking at and there’s usually a thread of what people paid to get a sense of what you should be getting one for.

    Just looked on autotrader on the west coast and there’s used ones going for 40+. Is this real life? Wtf
    Last edited by FFailed; 04-03-2021 at 05:45 PM.
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  22. #22
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    I had a Tacoma.

    It was a great (vehicle) in terms of reliability, practicality and maintenance. However, I traded it in for a full sized half ton, because it was starting to feel cramped and it got really ****ty gas mileage, and it just didn't do things that a "truck" should be able to do. I don't think I would ever willingly go back to a mid-size truck again.

    For me, the Tacoma is a fun little off roader that can fit on tighter trails and will run for a very long time with minor amounts of repairs.

    The dip****s at the dealership gave me 16k for that 9 year old Tacoma with 155k miles and hail damage on the roof and hood. So they do hold their value very well, but they lack most features that full sized trucks have, and even lack many features that other brands of mid-size trucks offer.

    I traded for a 2020 Silverado, and at the time I ended up getting 8k off sticker price.

    The best advice I can tell you is, go for the incentives vs the no interest option. You can only choose one or the other, and 8k off sticker is going to be more of a savings than choosing no interest for 36 months. They will charge you full sticker price if you choose that option.

    Also, don't tell them how you plan on paying for the vehicle, until you can get a straight offer from them as far as out the door pricing goes. They will change OTD pricing based on whether or not you plan on paying cash, trading in, and/or financing the vehicle.

    DO NOT choose a term that will put you upside down in equity at any point during your ownership, and if you plan on financing, make sure you put at least a 20% down payment (including trade in value). The more equity you have in any vehicle, the better! You should always be able to sell any vehicle you finance, for more than you owe on it. This is something that most people ignore during the purchasing process and it ALWAYS bites you in the ass.

    Dont accept an APR that is more than 4%.
    Last edited by Devin459; 04-03-2021 at 10:02 PM.
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    Originally Posted by Devin459 View Post
    I had a Tacoma.

    It was a great (vehicle) in terms of reliability, practicality and maintenance. However, I traded it in for a full sized half ton, because it was starting to feel cramped and it got really ****ty gas mileage, and it just didn't do things that a "truck" should be able to do. I don't think I would ever willingly go back to a mid-size truck again.

    For me, the Tacoma is a fun little off roader that can fit on tighter trails and will run for a very long time with minor amounts of repairs.

    The dip****s at the dealership gave me 16k for that 9 year old Tacoma with 155k miles and hail damage on the roof and hood. So they do hold their value very well, but they lack most features that full sized trucks have, and even lack many features that other brands of mid-size trucks offer.
    I saw someone mention the same in another thread about features and such comparing the tundra/Tacoma to other trucks but what features are they missing? I know you can get some cool stuff in the f150 like massaging seats but besides a few over the top things what else is missing?
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    Originally Posted by FFailed View Post
    I saw someone mention the same in another thread about features and such comparing the tundra/Tacoma to other trucks but what features are they missing? I know you can get some cool stuff in the f150 like massaging seats but besides a few over the top things what else is missing?
    Mostly creature comforts. I could go on a large tangent of all the bs that Toyota doesn't give a rats ass about, but ill compress it as much as I can.

    Toyota refuses to get with the times. Their cheap and dated interiors, tech packages (or lack there-of) and styling just don't compete with ford, chevy or dodge.

    The tundra for example has an interior that looks like it's from the 90's, yet they're charging you the same as all of their competitors! They only offer 1 engine option (that gets horrible gas mileage), the same old school transmission and the Tundra has had the same basic design for over 10 years! You're literally paying brand new prices for a vehicle that hasn't gone through a major re-design in over a decade! All of the other manufacturers have been raising the bar every single year, yet toyota has willingly ignored their customers wants and needs all together.

    I would rather buy a tacoma over a tundra. At least the tacoma is finally on its 4th generation, with a somewhat modern interior (albeit still cheap feeling).

    You're going to have waay more tech and bang for your buck if you go with one of the other 3 major manufacturers.

    For your reference. 48k out the door got me:

    -Push button start
    -Remote start with phone app access that can remote start the engine, lock/unlock doors and many other things from anywhere in the world, just from my phone
    -Auto start/stop tech
    -DFM system that deactivates cylinders while cruising to maximize gas mileage
    -10 speed transmission
    -Bose sound system
    -Dual zone automatic climate control
    -automatic up/down windows
    -locking rear differential
    -Automatic 4wd
    -full led lighting (exterior and interior) including led fog lights
    -Factory lift
    -Electronic power steering
    -Electronic assisted braking
    -Full color Led instrument cluster
    -Power tailgate that can be opened from inside the cab or even from the key fob
    -120v power outlets inside the cab and in the bed
    -Heated seats and steering wheel
    -Heated mirrors and rear window
    -Power adjustable seating
    -Power sliding rear window
    -Factory trailer brake controller
    -Sport, Off-road, Tow and Normal drive modes
    -Hill descent control
    -Midnight edition
    -Factory Lift
    -Factory spray in bed liner
    -Factory side steps
    -Factory paint to match bumpers, mirrors and grill
    -Factory gloss black wheels w/ duratrac all terrain tires
    -And literally tons of other chit that I cant even think of at the moment
    Last edited by Devin459; 04-04-2021 at 12:45 AM.
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    Originally Posted by Devin459 View Post
    Mostly creature comforts. I could go on a large tangent of all the bs that Toyota doesn't give a rats ass about, but ill compress it as much as I can.

    Toyota refuses to get with the times. Their cheap and dated interiors, tech packages (or lack there-of) and styling just don't compete with ford, chevy or dodge.

    The tundra for example has an interior that looks like it's from the 90's, yet they're charging you the same as all of their competitors! They only offer 1 engine option (that gets horrible gas mileage), the same old school transmission and the Tundra has had the same basic design for over 10 years! You're literally paying brand new prices for a vehicle that hasn't gone through a major re-design in over a decade! All of the other manufacturers have been raising the bar every single year, yet toyota has willingly ignored their customers wants and needs all together.

    I would rather buy a tacoma over a tundra. At least the tacoma is finally on its 4th generation, with a somewhat modern interior (albeit still cheap feeling).

    You're going to have waay more tech and bang for your buck if you go with one of the other 3 major manufacturers.
    Ya the Silverado 1500 was what I thought I was going to get originally but just wanted something smaller for hauling bikes and such since I’ve had a bigger truck in the past. I never even sat in any of the other trims of the Tacoma so I’m not sure what they are like but my TRD Pro seems pretty nice and has a lot of those listed features aswell. Definitely not going to beat the American trucks though as far as bang for your buck goes especially with the deals they usually give on them.
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    Originally Posted by FFailed View Post
    Ya the Silverado 1500 was what I thought I was going to get originally but just wanted something smaller for hauling bikes and such since I’ve had a bigger truck in the past. I never even sat in any of the other trims of the Tacoma so I’m not sure what they are like but my TRD Pro seems pretty nice and has a lot of those listed features aswell. Definitely not going to beat the American trucks though as far as bang for your buck goes especially with the deals they usually give on them.
    Mind you, my trim level is literally middle of the pack. There are two trim levels above mine and 3 trims below it, but it still has more features than a fully loaded tundra for probably less money! So there's your bang for your buck.

    Granted, mid size trucks are always going to be less expensive, so there's something to be said for that. I still would encourage you to check out the new Rangers and Colorados/Canyons if you stuck with mid size.

    For full size, you can't go wrong with Ford, Chevy, GMC or Dodge. Pick your poison and figure out who currently has the truck/pricing that catches your eye.
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    Originally Posted by akmerle View Post
    For tips to not get ripped off.....

    - ALWAYS be willing to walk away, they need you and your $$$$, there are and always will be other vehicles that will work for you,
    - Always have financing pre-arranged and approved with your bank before talking $$$, but with your credit score you may be able to get 0% financing,
    - Always be willing to walk away,
    - Never tell them about trading your vehicle in until you have already agreed on the price of the new vehicle,
    - Always be willing to walk away,
    - If they wont come down further on price, be sure to ask for other items such as extended warranty, extended free service plan, accessories such as tires / tint / ceramic coating / etc, and
    - Always be willing to walk away.
    good list, but extended warranties and "free" maintenance services are worthless, don't let them use that as an incentive.

    brb free oil changes, brb have to drop off the car for an entire day, major hassle. I've had it but never used it, just rather just pay a shop 60 bucks and be done in 20 min.
    brb extended warranties only cover that sweet spot in a cars reliability where failures are very rare, 40-100k miles
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    You want the Out The Door price. A lot of places charge all kinds of fees. Don't worry about the fees as all that is important is the price when you take it off the lot.

    Check out Carvana and see prices on similar vehicles you are looking for. You may even find a good deal on Carvana and skip the dealership altogether if you know what you want.
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