Decisions...

[Tex68w]

We love the Blue/Terra combo, we actually had a 2016 Limited 4wd 4Runner in Nautical Blue/Redwood which is an extremely close combo and we loved it. Terra on any of the colors is nice and it would be our first choice if buying a 2016+ LC.

I understand the desire for a certain color combo and if that is the make it/break it combo for you then by all means go for it if your pocket book can take the hit. Personally I couldn't justify the move from a 2016 to 2019 as they are the same less the electric rear lift gate, I would however prefer a third row delete and one without the rear entertainment, both of which are options on the 2018 and 2019. We got a two-row LX for the same reason, we don't need the awkward third row jump seats or the terrible cargo layout they present. Now if you were talking a pre-2016 trading up to a new LC then I think I could more easily justify the move for the redesign.

Do as the others here suggest and spend that money on modifying what you have or put it into vacations, home improvements, your kids, another hobby, or financial investments.

 

[Union]

I would absolutely not buy it. Feel out your 2016 for a few years, maybe put some mods on it with that money or leave it bone stock and pick up a 300 series when they come out. You can be our first one!

 

[JohnPW]

Hard to get the color you want used. I wanted silver or grey, ended up with white. I really like the terra interior, it looks great in person and hides dirt. The blue looks great but I’m told shows dirt like black does.

 

[Crush 4]

I am in the process of trading a 17 4Runner TRD Pro for a 19 LC. They had silver with Terra or Grey with black or a used 18 Blk w Terra. The difference in new vs used was about 9k. I thought a lot about it and really didn't want Black as much as I love a clean black vehicle, I CANT stand a dirty black vehicle so yes I went w Grey and hope to pick up in a couple weeks w Mods being put on as we speak. I actually was going to wait for the 2020 Heritage but the bug got me.

I have never made a purchase of a new vehicle at this price level because it was hard to justify and frankly is still hard to justify. But I have convinced myself that I will keep if for a long time and trust I will get the VALUE out of it. I don't know if there is ever the "right" answer for what to do in these situations. You could argue that their our tons of people that can't afford a car at all and the other end of the spectrum is my buddy who has 60 cars! To each is own I suspect and sometimes you live life for the moment because everything else is uncertain.
LIVE IT UP!

 

[Tex68w]

I am in the process of trading a 17 4Runner TRD Pro for a 19 LC. They had silver with Terra or Grey with black or a used 18 Blk w Terra. The difference in new vs used was about 9k. I thought a lot about it and really didn't want Black as much as I love a clean black vehicle, I CANT stand a dirty black vehicle so yes I went w Grey and hope to pick up in a couple weeks w Mods being put on as we speak. I actually was going to wait for the 2020 Heritage but the bug got me.

I have never made a purchase of a new vehicle at this price level because it was hard to justify and frankly is still hard to justify. But I have convinced myself that I will keep if for a long time and trust I will get the VALUE out of it. I don't know if there is ever the "right" answer for what to do in these situations. You could argue that their our tons of people that can't afford a car at all and the other end of the spectrum is my buddy who has 60 cars! To each is own I suspect and sometimes you live life for the moment because everything else is uncertain.
LIVE IT UP!

How modified was your TRD Pro?

 

[AFdude]

I am in the process of trading a 17 4Runner TRD Pro for a 19 LC. They had silver with Terra or Grey with black or a used 18 Blk w Terra. The difference in new vs used was about 9k. I thought a lot about it and really didn't want Black as much as I love a clean black vehicle, I CANT stand a dirty black vehicle so yes I went w Grey and hope to pick up in a couple weeks w Mods being put on as we speak. I actually was going to wait for the 2020 Heritage but the bug got me.

I have never made a purchase of a new vehicle at this price level because it was hard to justify and frankly is still hard to justify. But I have convinced myself that I will keep if for a long time and trust I will get the VALUE out of it. I don't know if there is ever the "right" answer for what to do in these situations. You could argue that their our tons of people that can't afford a car at all and the other end of the spectrum is my buddy who has 60 cars! To each is own I suspect and sometimes you live life for the moment because everything else is uncertain.
LIVE IT UP!

Man I’m right there with you. Thinking of trading my highly modified 17 4R TRD ORP for a new LC. I miss my old 200 pretty badly. Time to get back in one.

 

[Crush 4]

No modifications except what was mentioned. Never Offroad did, hand washed and looking to sell if you’re interested PM me also have a cool 72gmc k1500 for sale. Need to get some money for LC!!

 

[Tex68w]

Man I’m right there with you. Thinking of trading my highly modified 17 4R TRD ORP for a new LC. I miss my old 200 pretty badly. Time to get back in one.

View attachment 1917175

Man, it'd be hard to replace that rig, that's a very nice and extremely capable build you have there. I get it though, the 200's are hard to beat, I am blessed to have both. PM me some details on your build.

You aren't far from me, I am just down the coast near Matagorda. I was actually out on the beach this afternoon myself.

 

[Tex68w]

No modifications except what was mentioned. Never Offroad did, hand washed and looking to sell if you’re interested PM me also have a cool 72gmc k1500 for sale. Need to get some money for LC!!View attachment 1917181

That's the best color they ever put on a 5th Gen. In that condition and unmolested you shouldn't have any trouble selling it. Post it up in the classifieds on toyota-4runner.org and over on the portal. You might want to see what your dealer will offer on it in trade as well, you'd be surprised what those bring on trade-in and then add in the tax shelter on top and you might even do better than a private sale. Either way, GLWS!

 

[Crush 4]

That's the best color they ever put on a 5th Gen. In that condition and unmolested you shouldn't have any trouble selling it. Post it up in the classifieds on toyota-4runner.org and over on the portal. You might want to see what your dealer will offer on it in trade as well, you'd be surprised what those bring on trade-in and then add in the tax shelter on top and you might even do better than a private sale. Either way, GLWS!

Thx it’s nice and yes dealer shared trade and tax deal. What do you think it’s worth?

 

[Tex68w]

Thx it’s nice and yes dealer shared trade and tax deal. What do you think it’s worth?

High trade says $39,800 and high retail says $42,800 for your zip. That said, these usually sell at or above book and depending on your local market they can sell well above market especially in the Cement color like yours. You could probably stick $45K on it and let numerous people beat you up over it until you eek out $41K or you could tell your dealer $40-42K and take the tax shelter on top. It really depends on local supply and demand and how much you still owe. They might give you a few loyalty bucks for the trade as well since you'll be buying another Toyota. At the end of the day you have an extremely desirable model in the most desirable color and you are looking to purchase one the hardest to sell vehicles they have on the lot, I'd exploit that advantage.

 

[hank ream]

I have a CPO 2016 with 32K on it...and have the opportunity to get a 2019 for $75k out the door, with my trade difference being +$500 in my favor. Giving up entertainment (kids kinda like it but won't die without it) and would be getting Blue with Terra interior.

I'm not really concerned about the extra $ each month but am wondering if I'm being dumb adding to my debt for 30,000 miles, knowing this thing will run forever.

Just looking for opinions...I know it's personal but trying to get a little insight on other thoughts. I really don't want to ask my wife.

I'm in the market for a 2019 LC or a two row LX. 75$ out the door seems to be a great price-isn't that about 3 grand below invoice? What area are you shopping? I'm willing to drive or have it shipped to me if the price is right. Thanks for your help.

 

[Tex68w]

We got our two row LX for $78,900, no complaints. $78K is about the lowest I have seen new LC's go for here in Texas as well. I would expect any leftover 2018 still on the lot to be sold for under invoice, I wouldn't pay more, that's for sure.

 

[mooneywa]

I went from a '15 to a '17, but the difference in price was not nearly as big. Also the mileage delta was greater (64k miles to 15k) and I was stepping up notably in tech/gizmos, and a newish design.

I got what I found to be a good deal, but it's all relative. At the end of the day, you have to be able to sleep at night with the payment and the length of the note and the car you're getting.

As others have alluded to, the interest rate market is pretty rough now. I had to play the game of "finance for the better deal". I wanted to pay in cash, but it was going to be a several hundred dollar difference. I really didn't want to play that game, but I was given written notice of no pre-pay penalties, the note was with a legitimate bank, and everyone was told it would be paid off before the first payment was due. The rate they gave me on my "financing" was about 6%. I didn't care because of the quick payoff, but I thought initially it was outrageous, especially for my credit score. I went and looked around at USAA, Chase, etc and while 6 was high, it wasn't THAT high. The days of 0% or 0.9% seem over. I ran an amortization calculator on $35k for 72 months at that rate. $7k+ in interest charges! That's crazy.

My advice? Put $200/mo more into your current note and make it yours sooner.

 

[TonyP]

I'll play devils advocate.
If you want it, buy it.
No one on here knows your financial situation but you and generally buying new Land Cruisers isn't exactly an advice your CPA would give. So who cares what others say.
Live it up, man.

 

[Tex68w]

I went from a '15 to a '17, but the difference in price was not nearly as big. Also the mileage delta was greater (64k miles to 15k) and I was stepping up notably in tech/gizmos, and a newish design.

I got what I found to be a good deal, but it's all relative. At the end of the day, you have to be able to sleep at night with the payment and the length of the note and the car you're getting.

As others have alluded to, the interest rate market is pretty rough now. I had to play the game of "finance for the better deal". I wanted to pay in cash, but it was going to be a several hundred dollar difference. I really didn't want to play that game, but I was given written notice of no pre-pay penalties, the note was with a legitimate bank, and everyone was told it would be paid off before the first payment was due. The rate they gave me on my "financing" was about 6%. I didn't care because of the quick payoff, but I thought initially it was outrageous, especially for my credit score. I went and looked around at USAA, Chase, etc and while 6 was high, it wasn't THAT high. The days of 0% or 0.9% seem over. I ran an amortization calculator on $35k for 72 months at that rate. $7k+ in interest charges! That's crazy.

My advice? Put $200/mo more into your current note and make it yours sooner.

The all but free money and sub 2% rates are still out there on the cheap commuter/sub $25K stuff and at times with credit unions, but for the most part 4-7% is the norm now. Three years ago we got 1.2% on a $65K car and the last Super Duty we bought with a $76K sticker we got 3.9% and we were kind of offended. When we bought the TRD Pro last year we over heard the guy in the finance office next to us who was buying a Sequoia, take a 12.25% rate due to the negative equity he was rolling over, that about blew my mind.

Mortgage rates are on the rise as well, we will be in the mid sixes on a conventional note by the end of the year and there's likely no end in sight. I recall my parents telling me that on their first home their rate was 13% and that was good lol. If mortgage rates get above 10% you won't be seeing me buying anymore property lol.

 

[PhiloCruiser]

The all but free money and sub 2% rates are still out there on the cheap commuter/sub $25K stuff and at times with credit unions, but for the most part 4-7% is the norm now. Three years ago we got 1.2% on a $65K car and the last Super Duty we bought with a $76K sticker we got 3.9% and we were kind of offended. When we bought the TRD Pro last year we over heard the guy in the finance office next to us who was buying a Sequoia, take a 12.25% rate due to the negative equity he was rolling over, that about blew my mind.

Mortgage rates are on the rise as well, we will be in the mid sixes on a conventional note by the end of the year and there's likely no end in sight. I recall my parents telling me that on their first home their rate was 13% and that was good lol. If mortgage rates get above 10% you won't be seeing me buying anymore property lol.

Mortgage rates will not be in the mid 6’s by the end of the year. We don’t have an economy that can support that and the 10 year treasury forecasts don’t support your claim.

I can get 4% right now and I’m an 800 score borrower with reserves. The FED may actually lower rates...their recent hikes have negatively impacted borrowing.

The thing I like about Toyota, as frustrating as it can be, is they don’t do a lot of baiting consumers. Not many “deals” on their autos and limited financing incentives. It keeps our values up...but also means we typically pay more or their products.

 

[PhiloCruiser]

I'm in the market for a 2019 LC or a two row LX. 75$ out the door seems to be a great price-isn't that about 3 grand below invoice? What area are you shopping? I'm willing to drive or have it shipped to me if the price is right. Thanks for your help.

You have to remember that they are allowing a certain amount for my vehicle...which I can only assume impacts what they are “showing” me on the new one. If you want, I can get you in touch with my salesman. I’d prefer not to say who/where they are on the forum...but feel free to PM me and I’ll get you his information.

 

[Tex68w]

Mortgage rates will not be in the mid 6’s by the end of the year. We don’t have an economy that can support that and the 10 year treasury forecasts don’t support your claim.

I can get 4% right now and I’m an 800 score borrower with reserves. The FED may actually lower rates...their recent hikes have negatively impacted borrowing.

Forecasts are all anyone has. Lets touch base this time next year and see where they are.

 

[mooneywa]

I think the lack of deals is all relative. I don't often hear about people buying a new 200 for sticker. Usually new comes in well under $80k. Invoice +$500? Something like that? Sure there isn't cash-back out the wazoo, but it's not the $10k-12k off people get with Yukon/Tahoe/Escalade. In fact as the prices of the domestic large SUV offerings go up, the 200 becomes even more of a bargain. Now we all know why someone would plunk down $78k for a new 200: because it'll last forever and it has incredible stock off-road performance; but it becomes an even better deal when it's priced next to an $80k Tahoe or $100k (!!!!) Escalade, both of which are typically discounted by 15%.

A 1794 Tundra is $15k less than comparable Sierra Denali. Does the Denali have more gadgets and do-dads than the Tundra? Absolutely. $15k more of them? I guess it depends on how much you value the fancy tailgate transformer. Now the Sierra AT4 is pretty cool. I like the design and the idea behind it. I think the 2500 AT4 with the Duramax will be wildly popular... but I digress.

Plus... I rented a Tahoe a few weeks ago. Strangest thing - the wheel is slightly off center over my right leg. I thought it was my imagination at first, but no, it's offset. That would drive me insane.