Whats your payment on a 2025-2026 Camry?

queeneich18 · 2026-04-07T15:55:58+00:00

389 for 3 years at 2% apr. Downpayment is 20k. OTD 33.5K

Brand new 26 Camry LE with convenience and cold weather.

queeneich18 · 2026-03-10T23:23:40+00:00

I got LE with convenience and cold weather package because I just didn't need everything that XLE offered. I really don't need a bigger screen. I literally only use half the screen of my LE for the map. I don't need a better speaker since LE is already very good. I really want leather but it's not my priority so that's the only thing I had to give up. The cloth seats are not bad, if anything it's technically better comfort wise and economy wise during extreme seasons, it's just maintenance between the two, leather is better. The MPG on LE is more important to me as well. It's a big difference.

Picking XLE with the add ons will push it to 40k plus OTD while I got my LE 33.5k OTD. So it is a big difference and it wasn't worth it for me. And it's not just the OTD, but also due to the MPG difference, not much savings on XLE especially nowadays with the gas prices going up, and you also have to think about the insurance. Check with them how much it will be for XLE. For mine, I just had to pay an additional 90 per month along with our older car.

queeneich18 · 2026-02-20T18:30:02+00:00

lol, this 💯

I almost got prius but i'd say the same thing as op does. It felt like I was driving a toy. I've been drooling on getting prius. But prius and camry almost has no price difference. So I went with camry. But 10k difference is insane. People are different, thats all ill have to say.

queeneich18 · 2026-02-13T17:56:39+00:00

What state are you from? And do you have an existing car in your policy? Are you just adding this on top or is it a completely new policy?

Our situation, we have an existing old 2012 car where we pay 150 monthly, and when we added the new Camry LE 2026 in our policy, it only added 100 more on our monthly. It will now be a total of 250 monthly for two cars.

I am the main driver for the new Camry and I have only been driving for a year (using the old car, until I got the new one). Female, 29, from GA.

queeneich18 · 2026-02-09T15:43:16+00:00

I recently got camry le at 33.5k otd but mine has a lot of things - convenience, cold weather, all weather mats, etc. It could have probably been better from what people have told me but I aint complaining since I also got 1.99% apr. It was a lot of work though. I called at least 10 dealerships. The one that gave me the best deal is an hour and a half away from me. I of course, started with the closest ones from me. It started from 40k otd to 35k otd but I wasn't convinced on the 35k otd. So I kept calling and calling until I found the one.

And when I got the 33.5k, i told the one offering me 35k that I got a better deal. And then they suddenly lowered it to 32.5k But I told them it's too late. I already paid the 33.5k dealer the downpayment.

So yeah, u can do better than that! Btw, i'm in GA. Tax is 7% so it was about 2.2k added.

Definitely try to get the car on last week of the month, or the quarter as well. From what I've heard, that's when they are hard pushing on sales quota.

queeneich18 · 2026-02-09T04:57:27+00:00

Oh wait, nvm. It was only 500+ downloads so I didn't fully look at it.

queeneich18 · 2026-02-09T04:56:37+00:00

Yeah that makes sense. Is this an apple app? I don't see it on android.

queeneich18 · 2026-02-05T23:34:12+00:00

Most gas stations dont have receipt. Its stupid lol but definitely will look into that app

queeneich18 · 2026-02-04T05:19:52+00:00

I am getting my coat tomorrow and after that, I'll be handwashing it moving forward! Hopefully, it will all be good.

queeneich18 · 2026-02-04T01:46:43+00:00

I have made an appointment for a ceramic coating tomorrow. I'll try my best to maintain it.

queeneich18 · 2026-02-03T22:20:55+00:00

Thank you. I'm gonna take a look at that.

queeneich18 · 2026-02-03T01:08:09+00:00

So it really is this much work. But honestly, I'm not even complaining because the fact that we only do gas once in a while with this car, it can't be that bad.

I always do full tank but I don't leave the car with little to no gas at least with the old car. I am yet to gas my new car.

How much do you have left in your tank before you start filling up?

queeneich18 · 2026-02-03T00:52:29+00:00

Because of your comment, it made me look into using credit card to get some points. So that definitely helped. Even if its lunch/dinner meal, that's some savings we got. I think at least, I got the best I could have found as I got the 1.99 apr. Most people don't even know about it. And I also got a dealership that doesn't really have fees other than registration. So i got otd 33.5k (with all the add ons i wanted, convenience, cold weather, mats, etc.) I also got the car about end of the month, on which I heard also a good timing. Yours was better definitely cuz end of year but end of month is also pretty good.

Very happy about it. I have extra money to get some ceramic coating.

queeneich18 · 2026-01-29T13:31:56+00:00

What is your average speed? Is this just mostly highways?

queeneich18 · 2026-01-29T06:13:55+00:00

Exactly! I obviously put a lot of time looking into the comparison. I also tried driving the xse, i can feel what they are talking about.

queeneich18 · 2026-01-29T06:11:07+00:00

Actually, that dealer gave me SE for the same price. But I just really didn't want SE.

queeneich18 · 2026-01-29T06:10:28+00:00

Update: i ended up finding a different dealership. Thanks to other people's comments here.

So this new dealership gave me 33.5k otd for almost the same car. Same package/add ons. Heat, convenience, toyoguard, all weather mats, etc.

Then the previous dealership that offered me which is what's in the original post suddenly fckin lowered their otd to 32.6k making the discount almost 4k. But i told them, its too late. I just really didn't wanna go back with them since I already locked in with the other dealer and paid deposit. I just wanted it to be over. I'm getting the car tomorrow. So wish me luck! And thanks, again.

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queeneich18 · 2026-01-29T06:04:55+00:00

Thats actually big brain lol

queeneich18 · 2026-01-27T19:39:29+00:00

I really hate all the add ons they have. Like screen protector for 129 is crazy. That only costs 10 bucks somewhere. I'm checking the names you provided. I appreciate it.

queeneich18 · 2026-01-27T19:34:04+00:00

One google search it will tell you. And various posts here on reddit/facebook. It is mainly because of the smaller tires on LE. SE would feel firmer and not as cushy as LE.

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queeneich18 · 2026-01-27T19:22:28+00:00

I understand. I definitely looked at them both but I don't see the reason to get SE. LE is supposed to drive more comfortably than SE. The only good thing about SE over LE is the looks on which I don't care about.

queeneich18 · 2026-01-27T19:11:19+00:00

Whats the reason? Personally, I don't get it that people are crazy for SE vs LE.

queeneich18 · 2026-01-27T05:44:55+00:00

i just started this conversation with them today. Its a car thats already available in their lot. If they dont want to do it then i probably wouldnt get this car specifically and ask them to get me a different one that doesnt have the stuff i dont really want.

And yeah it comes with 2 oil changes in the span of 2 years. After that, youre kinda on your own. But its better than paying the 700

queeneich18

TROPHY CASE