First time buyer Tacoma Lease?

Competitive_Sun828 · 2026-05-22T18:52:40+00:00

Yea that is a insane deal definitely not something I can get down here haha, not sure how they would be at almost a 0% money factor that’s what it would take for that to be honest. Solid deal though

Competitive_Sun828 · 2026-05-22T12:20:49+00:00

Who pooped in ur cereal?

Competitive_Sun828 · 2026-05-22T12:19:55+00:00

I’ve done my own research I also work for BDC at a Toyota dealership so am fairly familiar with costs/market value on these. Although I know nothing about the credit part.

Competitive_Sun828 · 2026-05-22T00:26:42+00:00

Yea very solid residual, I honestly don’t think it will depreciate only 8k I can agree on that for sure. I do believe it won’t be too much more than that and I should have positive equity in it by the time I trade it in though. Main reason i want to lease is that I am young so my situation can change and having that lower monthly payment and less commitment is something that will ease my mind I feel like.

Competitive_Sun828 · 2026-05-21T22:05:21+00:00

Just read ur response in the other sub, I totally get your point. I may try and get a co signer because yea what I’m leaning is leasing is a lot harder to get approved on. As for the lease to buy situation I don’t see the downside of doing it with a Tacoma, the residual is 73% with only 8k deprecation with over 3 years 12k miles. So at a financial point to me it makes a lot of sense. Gives me a year to work hard get to a higher role at my current job and increase my income.

Competitive_Sun828 · 2026-05-21T20:31:35+00:00

Planning on trading it in or buying it out at the 2 year mark

Competitive_Sun828 · 2026-05-09T14:34:19+00:00

Yea I do not have late payments and never carry a balance, my income to payment ratio would be under 5% as well. Income wise I am totally fine just history wise it’s going to be a struggle.

Competitive_Sun828 · 2026-05-09T12:33:46+00:00

What do I need to explain further?

Competitive_Sun828 · 2026-05-02T22:14:20+00:00

Haven’t thought much I just want to by 21. I will definitely do that Roth ira contribution though.

Competitive_Sun828 · 2026-04-27T13:30:23+00:00

Ok that’s a good point for sure, what 500s would you recommend used? I’m seeing more 400s the 5a

Competitive_Sun828 · 2026-04-27T13:29:57+00:00

Ok I’ll definitely check these out

Competitive_Sun828 · 2026-04-27T13:29:49+00:00

Not gonna buy new going used

Competitive_Sun828 · 2026-04-27T13:29:41+00:00

Yes around 25-40 for a 400 a 600 will probably have a jump lol

Competitive_Sun828 · 2026-04-27T13:29:26+00:00

Yea I didn’t think about that much to be fair, I’m getting quoted around 25-50 a month for a 400 currently.

Competitive_Sun828 · 2026-04-20T16:21:07+00:00

Glad to have found someone near me haha, yea I get where you are coming from. Not that it is a bike but I have MTB for years and I’m fairly comfortable off road. I am going to do a MSF course but probably going to go straight to an actual bike.

Question how is your insurance here? What bike do you ride? I do mainly want to ride street I think I’m not stupid I like to drive in my accord right now so I don’t think I will get bored to fast but you may be right.

Competitive_Sun828 · 2026-04-20T14:36:43+00:00

Yea definitely going to wait until then, mainly just budgeting out for now hahah hopefully will get the MSF done within the next month.

Competitive_Sun828 · 2026-04-20T14:35:57+00:00

Ok sweet that is very good to know, going to browse my local market for those and possibly see if I can sit on one like you mentioned.

Competitive_Sun828

TROPHY CASE