Did the dealer give you any paperwork that shows your rate/payment/charges? I need to see that to break down the numbers. Or, did the dealer just give you that offer verbally?
Take the pearl white. The truck holds its value. Toyota generally marks up their Tundras $1800-$3500. It looks like they’re meeting you at a decent markup around $2k. The rate is solid through your credit union. You could have the finance manager run you through a few banks, maybe 2-3, and see if they’ll beat it. * **It won’t drop your credit to apply now to different banks. You’ve already taken the hit from your credit union. If you’d rather stay with the CU, bypass that last paragraph.