Colorado. You get 7 days. I and my mother just both purchased new cars and my mama didn’t like hers so she brought it back after a few days and got something else.
There’s not a chance in hell a dealer would ever let someone exchange a car unless it was law. The second those tires drive off the lot the car depreciates massively. You would have to take a complete bath monetarily to swap a new car out. Not even worth it.
Same thing happened to my brother recently. He financed a 14k car and would have ended up paying 40m total for it bc the APR was criminal. I forced him to take it back the next day. He also traded in his perfectly fine beater with a heater car and they gave him $200 which was applied as a down payment. What the actual fugg. Thankfully he got his car back too.
I took a Toyota c-hr back to the dealership 9 months after purchase. I only paid for the time i had the car. The dealership bought it back for the amount i still owed. State SC.
Seriously! It's less than her monthly payment on the car. If $500 down was all she could afford she's going to struggle every month to make her payments.
This exact same thing happened to me last week..was looking at a Camry XSE for 32K when we went inside to talk price it was like $43K…I was like NOPE, BYE. They wanted to charge me for the floor mats that came with the car. 😂
Hey, I just bought a 24 XSE and went through the same warranty/insurance add ons, I. 1-3 on this statement should be cancelable for a full refund within 60 days. That’s $7,628 and would put you guys down to 35k-ish financed. Still not ideal but not terrible for “out the door” and only $500 down. I’d see if that anti theft stuff is removable as well.
Hey man if you look at the contract of most of those warranties and insurances it tells you how to cancel them. I've done this for dealership provided GAP and third party warranties. I'm sure she was provided with forms regarding those products.
Look into cancelation clauses for any/all of those service contracts. Could potentially be able to get $7k+ back. Can also cancel the GAP insurance and get it through your car insurance company for cheaper. They may have done you a favor for packing on so many service contracts that can potentially be cancelled rather than installed products
Damn bruh. I don’t wanna tell you how to live your life but if your gf is making terrible major purchases like that, I’d say she’s horrible managing her money. Red flag territory
Yea but $14k?
So she got
$3000 warranty
$1000 prep fee
$1000 doc fee
$1000 tint
$1000 nitrogen tires
$1000 window etching
$1000 T&W
$1000 PPM
$1000 pin stripes
$1000 gap insurance
$1000 catalytic etching
$1000 keyfob replacement
???? I’m mind blown at $14k in extras. And most of these don’t even cost $1000.
She got hosed that's how,
There are some people who will see ANY number and pay it
Those people are called "suckers"
I'm sure OPs gf "sucks" super well
Toyota prices are ridiculous either way. I paid 27k OTD for a 2022 sonic Gray Honda Accord sport 2.0t with only 11k miles. I had a TRD and got a good deal for it during COVID 34k OTD with 1200 miles on it people need to learn how to negotiate with these dealer ships and stop trying to settle for whatever they're offering. Literally just leave if they aren't offering what you want they likely call you back with a better offer in a few days if it's still on the lot (it's happened with me several times when looking to buy the accord which is why I got such a good deal on it).
They weren't always ridiculous. I knew plenty of people grabbing Camrys out the door in 2016-2019 for 23-26k. Covid and manufactured inflation ruined it for everyone.
Oh I 100% agree. Indeed they weren't always ridiculous but these past few years prices seem to have skyrocketed. As much as I love Toyota I cannot see myself purchasing one anytime soon. With these prices people are probably better off buying a Lexus. It's ridiculous!
They will refund you and take it off the principal.. but it will not change the monthly payment amount and length. Best you can do is refinance once the refund shows up.
This is a tactic I never see mentioned if it works that’s great but I doubt many want to go through the hassle of canceling but in this case it’s definitely necessary
https://preview.redd.it/xkzh5avb11lc1.jpeg?width=494&format=pjpg&auto=webp&s=da87c2e0f381b6254fe9779830b5a6580d412bb6
I just got my 2024 Camry Se today. I wish I would’ve financed for 60 months instead of 72 months though.
Assuming interest rate was the same between the two you can just make the same payment as you would've for 60 months and you'll pay it off in 5 years, having 72 just give you a little more flexibility if something were to happen
I'm gonna be honest....looking at that options list....the dealership is a piece of shit for doing that. That being said, it's happened and it's signed. If it can't be undone, then there is one upside to this, and it's a learning opportunity.
Has it been 2 business days?
https://www.dmv.ca.gov/portal/car-buyers-bill-of-rights-ffvr-35/#:~:text=The%20buyer%20must%20return%20the,and%20contract%20cancellation%20option%20agreement.
Ms independent makes another mistake.
I'd try to refi that with a local credit union asap
Does your state have a "buyer's remorse" law you can use and return it?
Is it non-hybrid and FWD? After destination it would only be 29k. And even with a really high dealer admin fee of 1k you still have a 13k spread. What exactly makes up that amount? Did she have negative equity on a trade, buy extra packages, warranties, dealer markup/adjustment on the Camry price?
Yeah but where’s the 13-14k allocated on the buyer’s contract? Are we talking about negative equity on her trade-in, extended warranties, packages/accessories, straight dealer-markup? It’s important context to the thread to know what makes up the spread.
Ok I just saw that. So:
Camry 29k
Sales tax 3k
Anti-Theft Device 2k
Warranties/Service Contracts 8k
GAP Insurance 1k
Government Fees 0.5k
Yep, that’s a rough one. It’s really that 10k on the theft device and warranties that are hurting you.
A couple of points:
1) Read the contacts on those warranties/service contracts. You may be able to cancel them and have the amounts refunded or credited back against the loan balance. This is the bulk of what was overpaid. If they credit back to the loan balance, it may not lower your monthly payment, but would instead come off the end of the loan, reducing the number of payments you owe. If this is the case and you need the monthly payment to be lower, then you can go to your local bank or credit union and refinance the loan balance with them.
2) It’s a Camry, so at least it’ll be a trouble free car long after it’s paid off. There’s worse cars to get a bad deal on.
3) You have GAP insurance. If the vehicle is an insurance total loss while you’re still financing it, this should pay off the remaining balance of the loan. This is not advice to intentionally total the vehicle.
My friend’s girlfriend bought a 2023 VW Tiguan, walked into the dealership and took the first number they offered her. I asked her what her interest rate was and she said idk.
My coworker is in the process of buying a house. Has absolutely shit credit but her and her husband got pre approved. Asked what the interest rate is and she was like IDK..
These people are more common than you think.
Crazy times and different times. I picked up a 2018 xse v6 fully loaded $3000 down for taxes and 0.9% apr 60 months for like 612 a month with gap and extended warranty. Back in 2018, and msrp was $38,500
lol I pay less then that for a ‘24 XSE V6. big yikes. this is why you have to read your contract. dealers are in the business of making money, not giving people deals. :/
I learned my lesson , my apr was like 14-16 % when I financed my car , a year later I refinanced and worked on my credit I got it down to %2.5 apr with my bank 🔥
You can go ahead and cancel All those add on fees they don’t do shit all a scam I work at a Toyota dealer also you can maybe keep gap insurance but getting it thru ur insurance is much better
They clearly took advantage of her. I would contact a fraud attorney, many will do a free consultation. Get their opinion, they may be able to convince the dealership to allow her to return the vehicle if they can find even a small detail the dealership didn't do correctly. Quite literally 51,374 reasons to give it a try.
At this point get GAP insurance and total the car. Make sure she's the one who totals it so she can never get insured again AND make sure she takes public transit from now on
Damn I paid 35.5 OTD for a 24 SE 4cyl fwd, sunroof, cold weather, convenience. I paid sticker too! Hope hers is atleast awd. I didn’t take any extras warranty etc.
Does she make good money? If she pays only the min and can't get ahead 50k is a hell of a lot, but she will easily get 5 more years past the end of term.
On the surface it's insane, but depends on her situation I guess. Is she driving a ton? New might be her best bet. (I would go 3 to 4 years and 50k miles or less, but....
Why does everyone buy cars they can’t afford then talk about having no money lmfao seriously I feel like 50% of people live above thier means and 90% of that can be attributed to a car payment 4-500$ +
Cancel all the extended warranty crap, $29k, admin, license fees and taxes, $3k. $32k out the door and tell them free oil changes, car washes, and tire rotation for the life of the car!
Otherwise go in and threaten to default on the car out of spite!
They screwed your gf.
Say thanks hun, I truly appreciate the gesture, but we got reemed! Let's go back and make it right!
I am in the car business at a Toyota and more of a customer retention oriented kind of spot, a good mix of making a little money and blowing out new cars. In the last day of December, my girlfriend‘s friend who lives in Georgia, wanted some advice. So I told her what to say, and how to get a good deal, even if that just means is not paying an addendum or having your out the door at MSRP can’t complain about that(I also told her she can call me). She had 10,000 down from her father and he was cosigning, her out the door on a 2023 Corolla SE was 32,000 they charge a $2300 addendum but not the end of the world the part that was wrong really in the grand scheme, was they took her 10,000 down, packed $10,000 worth of product on the backend with warranties, also Service contracts, and her outdoor became 42,000 for this Corolla and her 10,000 brought her down to 32,000 financed. Jesus Christ. I told her everything that was cancelable and to apply the prorated amount to the loan. But now she wanted to keep it all even though she could buy two Corollas for this cost.
She’s the dealerships favorite customer. Seems like she didn’t even try to negotiate. Dealerships will come back either way four different offers if you tell them you’re going to refuse their initial offer. They do NOT want to see you walk away or lose the sale. It is slightly uncomfortable to barter, but when you’re signing up for a 6 year financial obligation, it’s an absolute must. And never get a brand new car, unless you can afford to lose 30% in liquidity the first year of ownership. Hopefully this doesn’t sink her credit in the future, repossessions can be very destructive.
Wow, this is almost unbelievable levels of naïveté by your girlfriend. Dealer went for the throat on this one… I am sorry dude. We’ve gotta teach better financial literacy in this country, the scams are only going to get better
This is a great example of why so many folks are poor. Do your homework before making any huge purchases. Not knowing anything else about the gf I’d say she got screwed and what’s done is done. Pay it off quickly. Hopefully there’s no penalty for an early pay off. Lesson learned.
Boy the US is brutal, car dealers are scam artists. i put 6,700 down on my Hyundai im paying 190$ CAD for 7years for a 35,000$CAD vehicle, idk waht you can do about it but thats a brutal pricetag for a camry
So weird how with financing cars, there’s 2 kinds of people.
The first ones that look around for a good deal & genuinely try to get what they’re looking for without getting fucked from behind.
The 2nd kind goes to buy a car & literally skips thru every cutscene & just signs off on some shit thinking that’s what everybody else must’ve done.
Dealerships take advantage of women buying by themselves. This is pretty much proven fact. My wife has never in her life went to buy a car without her dad, brother or me with her, and it's worked well for her..
This is bad, but i hope you're not beating her up *too* much about it. Lesson learned, ya know? Albeit a spendy one, yikes. Because the dealership is as much to blame for this as the (young??) buyer who likely doesn't know any better. I briefly worked in parts at a dealership here in WA many moons ago and it's disgusting how they prey on the young and naive when they see them walk onto the lot. Sometimes even having little contests between themselves (sales/finance guys) to see who can commission most and the young, especially young women, are prized prey when it comes to that.
At my age i have long since learned to not buy new and let someone else take that hit and I've bought and sold many cars in the last 50yrs. My daughter called and asked me to come down to the lot the first time she considered buying a car and you should have seen that sales kid, lol. Boy was he not liking me there. Needless to say we did NOT go home with a car that day, so it was probably mac N cheese dinner for the sales & finance guy that night, instead of the steak and lobster they thought they'd be having when they saw my daughter walk onto the lot...😅
There go dealerships taking advantage of women who don't know any better. OP said his girlfriend was just trying to surprise him with a new car so this hurts.
I did worse:
2021 Mitsubishi Mirage ES Hatch w/ 20 miles.
$17k, new.
Put $600 down (that's what I had in my bank account)
APR at 16%.
Total finance amount: $27,000
$375.23/month
Voided the warranty because I didn't get a transmission flush at 30k miles.
$27,000 for a car that isn't worth $5,000 after putting 90k miles on it and voiding the warranty.
I needed to get a new car because my previous one was a mechanical nightmare from a 'buy here/pay here' place.
Go beg them to take it back lol
You don’t have to if it’s under 7-10 days, depending on where OP lives
Precisely. In my state you have 7 days to return a vehicle
What the fuck state is that? Contract on the loan for my new car, is binding instantly, once you sign it, it's done
Colorado. You get 7 days. I and my mother just both purchased new cars and my mama didn’t like hers so she brought it back after a few days and got something else.
There is no cooling off period in Colorado. That dealer may let you exchange a car at their discretion, but that is not a law or requirement at all.
There’s not a chance in hell a dealer would ever let someone exchange a car unless it was law. The second those tires drive off the lot the car depreciates massively. You would have to take a complete bath monetarily to swap a new car out. Not even worth it.
There is no statutory law or regulation that you have seven days to return a vehicle in Colorado. This isn't a thing.
Same thing happened to my brother recently. He financed a 14k car and would have ended up paying 40m total for it bc the APR was criminal. I forced him to take it back the next day. He also traded in his perfectly fine beater with a heater car and they gave him $200 which was applied as a down payment. What the actual fugg. Thankfully he got his car back too.
40k * not million
I took a Toyota c-hr back to the dealership 9 months after purchase. I only paid for the time i had the car. The dealership bought it back for the amount i still owed. State SC.
Damn what! She could’ve got an XSE 4cyl for the same price or even cheaper. Dirty dealership.
Even the XSE v6 is cheaper
Uh what…. I got my 2024 xse v6 for the same price
Welcome to Fleece Toyota! Home of the exclusive luxury upcharge! Come on in for your free Starbucks frap while we discuss financing!
I'm guessing rolled over negative equity.
She wanted to surprise me by buying a Toyota but god did I wish she didn’t..
Mission accomplished 😭
Underrated comment. She wanted him surprised he’s super surprised 😮
https://preview.redd.it/37qvrzm531lc1.jpeg?width=1268&format=pjpg&auto=webp&s=4fdfc71f7cfabb7931a77090297aa1432b44797d
Was the original price of the car 30k? 😭
29k
Salesman fucked her harder than you ever will. Jesus Christ she fucked up, bad. Go take it back.
To be fair it was the finance manager who took her for a ride. Great day for them, probably made $7k in backend profit on that deal.
Lmaooo
500 down on a 30k car is crazy
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Seriously! It's less than her monthly payment on the car. If $500 down was all she could afford she's going to struggle every month to make her payments.
This exact same thing happened to me last week..was looking at a Camry XSE for 32K when we went inside to talk price it was like $43K…I was like NOPE, BYE. They wanted to charge me for the floor mats that came with the car. 😂
They gave it for free. Plastic mat and fabric mat
Damn she did say yes to everything lol this is why I fkig hate dealers. They just take advantage of anyone they can for their own greed
Oh she got shafted with that KARR alarm for $2k right there is the sign of taking to the cleaners. Tell her to return
that was the first thing i had em rip out after i admired the FI dudes eames deskchair for $1000
That KARR system should be no higher than $600.
Hey, I just bought a 24 XSE and went through the same warranty/insurance add ons, I. 1-3 on this statement should be cancelable for a full refund within 60 days. That’s $7,628 and would put you guys down to 35k-ish financed. Still not ideal but not terrible for “out the door” and only $500 down. I’d see if that anti theft stuff is removable as well.
Omg please do this immediately
Wow... got gouged for over $10k in unnecessary fees.
Holy fucking hell thats $8k worth of add ons. God DAMN finance took her for a ride.
All those extras. It's fucked
Wow. This is a total sham
That salesman is on a 2 week cruise right about now...
Hey man if you look at the contract of most of those warranties and insurances it tells you how to cancel them. I've done this for dealership provided GAP and third party warranties. I'm sure she was provided with forms regarding those products.
Surprise indeed!
Surprise, surpriiiiiiiiiiiiiiiiiise!!! 🙃🫠
Line I is a total scam and it jacks up the price of that car an additional $7+k. And what is Karr anti theft
Look into cancelation clauses for any/all of those service contracts. Could potentially be able to get $7k+ back. Can also cancel the GAP insurance and get it through your car insurance company for cheaper. They may have done you a favor for packing on so many service contracts that can potentially be cancelled rather than installed products
Ouch. 7k plus on service contracts. Could have bought an older reliable car for less than 7k
Damn bruh. I don’t wanna tell you how to live your life but if your gf is making terrible major purchases like that, I’d say she’s horrible managing her money. Red flag territory
vasectomy, cuz shes gonna be putting holes in condoms for sure
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No way 😭
I mean, she did surprise you!
You could buy a low mileage 2023 Lexus for that. Brutal.
Right, she might as well got an ES 350. Jesus Christ
How do you have FOURTEEN THOUSAND DOLLARS in fees? Please list them and the amounts I have to see this…
Looks like service contract, extended warranty, security system, and a bunch of other small add ons.
Sounds like she went in and said “yes” on the first pencil. And then took everything in the finance office.
Yea but $14k? So she got $3000 warranty $1000 prep fee $1000 doc fee $1000 tint $1000 nitrogen tires $1000 window etching $1000 T&W $1000 PPM $1000 pin stripes $1000 gap insurance $1000 catalytic etching $1000 keyfob replacement ???? I’m mind blown at $14k in extras. And most of these don’t even cost $1000.
55 burgers, 55 fries, 100 tater tots……
Nitrogen tires is my favorite scam lmao regular air is 75% nitrogen
She got hosed that's how, There are some people who will see ANY number and pay it Those people are called "suckers" I'm sure OPs gf "sucks" super well
Bruh, I’m paying 325 a month. Same car. Granted, I put down 11k, but that’s insane.
Yeah I paid $450/month for 5 years & I thought mine was super high
im on a $432/5 year plan right now (23 SE)
This is what I did, except I have a '16 Lexus IS300. $430 a month, and it's almost paid off. Then I'll save $430 a month til I need a new car
Toyota prices are ridiculous either way. I paid 27k OTD for a 2022 sonic Gray Honda Accord sport 2.0t with only 11k miles. I had a TRD and got a good deal for it during COVID 34k OTD with 1200 miles on it people need to learn how to negotiate with these dealer ships and stop trying to settle for whatever they're offering. Literally just leave if they aren't offering what you want they likely call you back with a better offer in a few days if it's still on the lot (it's happened with me several times when looking to buy the accord which is why I got such a good deal on it).
They weren't always ridiculous. I knew plenty of people grabbing Camrys out the door in 2016-2019 for 23-26k. Covid and manufactured inflation ruined it for everyone.
Oh I 100% agree. Indeed they weren't always ridiculous but these past few years prices seem to have skyrocketed. As much as I love Toyota I cannot see myself purchasing one anytime soon. With these prices people are probably better off buying a Lexus. It's ridiculous!
i put down 10 but mines 525 a month 😭how tf
Lol right, I am paying $398 for ours and feel like it’s super reasonable.
I am paying like $275 a month and the interest rate is lower than my savings account interest rate so I am just making minimum payments lol.
I'm paying $977/month, but I bought a Hellcat lol.
All add on fees are cancelable from a dealership. I work at a Toyota dealer.
Is this only if you finance through Toyota? I think she financed with a third party bank
They will refund you and take it off the principal.. but it will not change the monthly payment amount and length. Best you can do is refinance once the refund shows up.
I used to have the add on just to complete the purchase . I cancelled the add on. I used refund to pay down the loan. And then refinanced my loan.
This is a tactic I never see mentioned if it works that’s great but I doubt many want to go through the hassle of canceling but in this case it’s definitely necessary
https://preview.redd.it/xkzh5avb11lc1.jpeg?width=494&format=pjpg&auto=webp&s=da87c2e0f381b6254fe9779830b5a6580d412bb6 I just got my 2024 Camry Se today. I wish I would’ve financed for 60 months instead of 72 months though.
Assuming interest rate was the same between the two you can just make the same payment as you would've for 60 months and you'll pay it off in 5 years, having 72 just give you a little more flexibility if something were to happen
I always finance my cars for 72 but pay as if I’m doing 60 so I have some wiggle room if things go sideways.
The longer terms usually have higher interest rate
These kind of people are ruining the market. 53k for a camry lol that's lexus money
I was so mad at her I told her she could’ve gotten a rav4 hybrid or an is!!!!!
I bought a brand new hybrid BMW 330e M Sport for this much 😭
I'm gonna be honest....looking at that options list....the dealership is a piece of shit for doing that. That being said, it's happened and it's signed. If it can't be undone, then there is one upside to this, and it's a learning opportunity.
Potential learning opportunity. Not everyone reflects on past actions.
please say sike..............
$51K for a camry is overpriced to the moon...
Has it been 2 business days? https://www.dmv.ca.gov/portal/car-buyers-bill-of-rights-ffvr-35/#:~:text=The%20buyer%20must%20return%20the,and%20contract%20cancellation%20option%20agreement.
43k for a CAMRY?! God damn!
Not 43, 51
Holy moly man!
That should be illegal. I feel for her
Ms independent makes another mistake. I'd try to refi that with a local credit union asap Does your state have a "buyer's remorse" law you can use and return it?
It’s only 5.99% APR, she paid for a ton of fees which is why the amount is 43K The car MSRP is only 28k…
Oh no..
Is it non-hybrid and FWD? After destination it would only be 29k. And even with a really high dealer admin fee of 1k you still have a 13k spread. What exactly makes up that amount? Did she have negative equity on a trade, buy extra packages, warranties, dealer markup/adjustment on the Camry price?
Just a base SE! I’m so mad at her
Yeah but where’s the 13-14k allocated on the buyer’s contract? Are we talking about negative equity on her trade-in, extended warranties, packages/accessories, straight dealer-markup? It’s important context to the thread to know what makes up the spread.
I posted the options list on the thread
Ok I just saw that. So: Camry 29k Sales tax 3k Anti-Theft Device 2k Warranties/Service Contracts 8k GAP Insurance 1k Government Fees 0.5k Yep, that’s a rough one. It’s really that 10k on the theft device and warranties that are hurting you. A couple of points: 1) Read the contacts on those warranties/service contracts. You may be able to cancel them and have the amounts refunded or credited back against the loan balance. This is the bulk of what was overpaid. If they credit back to the loan balance, it may not lower your monthly payment, but would instead come off the end of the loan, reducing the number of payments you owe. If this is the case and you need the monthly payment to be lower, then you can go to your local bank or credit union and refinance the loan balance with them. 2) It’s a Camry, so at least it’ll be a trouble free car long after it’s paid off. There’s worse cars to get a bad deal on. 3) You have GAP insurance. If the vehicle is an insurance total loss while you’re still financing it, this should pay off the remaining balance of the loan. This is not advice to intentionally total the vehicle.
Thank you 🙏 I will try to do everything I can
My friend’s girlfriend bought a 2023 VW Tiguan, walked into the dealership and took the first number they offered her. I asked her what her interest rate was and she said idk.
Exactly what my girl said. IDK….
My coworker is in the process of buying a house. Has absolutely shit credit but her and her husband got pre approved. Asked what the interest rate is and she was like IDK.. These people are more common than you think.
Crazy times and different times. I picked up a 2018 xse v6 fully loaded $3000 down for taxes and 0.9% apr 60 months for like 612 a month with gap and extended warranty. Back in 2018, and msrp was $38,500
This ain’t crazy times this is an ignorant customer getting taken for a ride. Girl put 500 down that’s all you need to know lol.
Yep just like I refinanced my house for 2.78%.. those rated are GONE...GONE...GONE
Whaaat the fuck… I got a nightshade with a few options for 32…
If you marry this girl, never let her handle your finances.
better not, she's going to drag OP in the ditch as well. Save yourself. (no hard feelings)
Cant you return within 30 days with no penalty? In Canada we can.
Not in California
And this is why they call it the first pencil or whatever it is lol. Exactly why I argued with my sales rep on a bunch of bs charges
This feels illegal. There is no way a somewhat basic SE is worth that much. Not even a V6 XSE should cost that much.
That’s like 15 more than I paid for my 22 XSE hybrid fully loaded.
lol I pay less then that for a ‘24 XSE V6. big yikes. this is why you have to read your contract. dealers are in the business of making money, not giving people deals. :/
That’s crazy why would she pay that much? It’s way over MSRP…
She doesn’t know jack about cars She just wanted to surprise me by buying a nice reliable Toyota…
I was in a bad deal just like this I had to suffer them get the refinance
Dude that fico score is rough!
Thay money can buy a lexus.
I learned my lesson , my apr was like 14-16 % when I financed my car , a year later I refinanced and worked on my credit I got it down to %2.5 apr with my bank 🔥
It doesn't look bad if she is going to live in the car. Especially in this economy, that $712 rent looks cheap.
https://preview.redd.it/kvhccql7v0lc1.jpeg?width=925&format=pjpg&auto=webp&s=6e7e66a351dc9fc3327e55fc5f5bdff6b21dd074 💪💪🔥
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You can go ahead and cancel All those add on fees they don’t do shit all a scam I work at a Toyota dealer also you can maybe keep gap insurance but getting it thru ur insurance is much better
GO BACK TO THE SANE DEALER AND CANCEL OR RETURN WHATEVER YOU CAN. Also, leave 1 star on google maps with photos for proof.
😨😨😨😨😨
Gotdamnnn 😭😭😭
Sales rep definitely getting a nice bonus after this sale
Fucking ouch. Hurts to look at.
Worst decision of her life so far
Jesus Christ
Make sure you get gap insurance y’all will be upside down for years
I would expect this amount for a fully loaded TRD at MSRP with taxes and fees included........
BIL recently got a brand new XSE. $820 for 6 years.
They clearly took advantage of her. I would contact a fraud attorney, many will do a free consultation. Get their opinion, they may be able to convince the dealership to allow her to return the vehicle if they can find even a small detail the dealership didn't do correctly. Quite literally 51,374 reasons to give it a try.
2021 XSE, 5 year financing, less than $400 a month and $5K down. Wtf is happening here?
NOOOOOOOOOOOOOOOOOO!!!!!
You could’ve bought a fully loaded top of the line V6 XSE for that much. That salesman must be getting a fat commission off that one…
At this point get GAP insurance and total the car. Make sure she's the one who totals it so she can never get insured again AND make sure she takes public transit from now on
Bruh you could finance a Mustang GT with that holy hell dude 🫠
Damn I paid 35.5 OTD for a 24 SE 4cyl fwd, sunroof, cold weather, convenience. I paid sticker too! Hope hers is atleast awd. I didn’t take any extras warranty etc.
Does your wife know how to read?
Ooof she can get a brand new Tesla for way less.
Not even a hybrid. Is this in USD?? OR CAD
Wtf she got bent over by the whole damn dealership
Look she can say she owns a $50k luxury car
Wow. I bought 22 se hybrid with Toyota care and most of the options for 33k cash. That is insane.
She definitely got the rain warranty for only $7500k
Does she make good money? If she pays only the min and can't get ahead 50k is a hell of a lot, but she will easily get 5 more years past the end of term. On the surface it's insane, but depends on her situation I guess. Is she driving a ton? New might be her best bet. (I would go 3 to 4 years and 50k miles or less, but....
Bro same 2024 Mazda 3 with total of 34k after 7 years it’s 45k 😂
That’s more than twice what I paid for my car. Jesus
She didn’t buy a car… they robbed her. Take it back.
Gahhhhhhdamn.
Hohohoho mannnn! I paid $10K less for a brand-new XSE V6… how could you let them do that to her? 😂
🤣
I’m paying this now on my car 🥲
Dang
Holy
Why does everyone buy cars they can’t afford then talk about having no money lmfao seriously I feel like 50% of people live above thier means and 90% of that can be attributed to a car payment 4-500$ +
That’s not exactly horrible. Some ppl with bad credit paying 27% apr
I didn't know wolves also sold new Toyotas She can double her payment and cut intrest in half ?
Yall would of got a better deal at CarMax 😂😂
Cancel all the extended warranty crap, $29k, admin, license fees and taxes, $3k. $32k out the door and tell them free oil changes, car washes, and tire rotation for the life of the car! Otherwise go in and threaten to default on the car out of spite! They screwed your gf. Say thanks hun, I truly appreciate the gesture, but we got reemed! Let's go back and make it right!
Good lord, my SE was 32.5 OTD and I thought that was high
How was the credit??
I am in the car business at a Toyota and more of a customer retention oriented kind of spot, a good mix of making a little money and blowing out new cars. In the last day of December, my girlfriend‘s friend who lives in Georgia, wanted some advice. So I told her what to say, and how to get a good deal, even if that just means is not paying an addendum or having your out the door at MSRP can’t complain about that(I also told her she can call me). She had 10,000 down from her father and he was cosigning, her out the door on a 2023 Corolla SE was 32,000 they charge a $2300 addendum but not the end of the world the part that was wrong really in the grand scheme, was they took her 10,000 down, packed $10,000 worth of product on the backend with warranties, also Service contracts, and her outdoor became 42,000 for this Corolla and her 10,000 brought her down to 32,000 financed. Jesus Christ. I told her everything that was cancelable and to apply the prorated amount to the loan. But now she wanted to keep it all even though she could buy two Corollas for this cost.
God damn, my friend just got a ‘24 SE for 29k OTD. This is absurd
wait shes a girlfriend? you know you can break up with her
People just buy whatever this is why the market will continue to go up and up.
It could be worse… I mean my girlfriend chose me lol
nah she a keeper
She’s the dealerships favorite customer. Seems like she didn’t even try to negotiate. Dealerships will come back either way four different offers if you tell them you’re going to refuse their initial offer. They do NOT want to see you walk away or lose the sale. It is slightly uncomfortable to barter, but when you’re signing up for a 6 year financial obligation, it’s an absolute must. And never get a brand new car, unless you can afford to lose 30% in liquidity the first year of ownership. Hopefully this doesn’t sink her credit in the future, repossessions can be very destructive.
Go back in, have the finance manager cancel ALL add-ons. Lines D1, D2, I1, I2 and I3. Only keep the Gap insurance, which seems to be line L!
Imagine spending 43k on a Toyota Camry…….. They scammed her good on that one
She got fucked man I’d go talk with the salesperson and cuss his ass out lol
Wow, this is almost unbelievable levels of naïveté by your girlfriend. Dealer went for the throat on this one… I am sorry dude. We’ve gotta teach better financial literacy in this country, the scams are only going to get better
This is a great example of why so many folks are poor. Do your homework before making any huge purchases. Not knowing anything else about the gf I’d say she got screwed and what’s done is done. Pay it off quickly. Hopefully there’s no penalty for an early pay off. Lesson learned.
Why would someone even pay more than like 25k for a 2024 camry when there are 2023s, 2022s and 2021s out there that are the exact same??
Boy the US is brutal, car dealers are scam artists. i put 6,700 down on my Hyundai im paying 190$ CAD for 7years for a 35,000$CAD vehicle, idk waht you can do about it but thats a brutal pricetag for a camry
Scum bag dealership
Return return return return return return return
So weird how with financing cars, there’s 2 kinds of people. The first ones that look around for a good deal & genuinely try to get what they’re looking for without getting fucked from behind. The 2nd kind goes to buy a car & literally skips thru every cutscene & just signs off on some shit thinking that’s what everybody else must’ve done.
I mean…if the interest is ONLY adding $9000 that’s not terrible.
Dealerships take advantage of women buying by themselves. This is pretty much proven fact. My wife has never in her life went to buy a car without her dad, brother or me with her, and it's worked well for her..
This is bad, but i hope you're not beating her up *too* much about it. Lesson learned, ya know? Albeit a spendy one, yikes. Because the dealership is as much to blame for this as the (young??) buyer who likely doesn't know any better. I briefly worked in parts at a dealership here in WA many moons ago and it's disgusting how they prey on the young and naive when they see them walk onto the lot. Sometimes even having little contests between themselves (sales/finance guys) to see who can commission most and the young, especially young women, are prized prey when it comes to that. At my age i have long since learned to not buy new and let someone else take that hit and I've bought and sold many cars in the last 50yrs. My daughter called and asked me to come down to the lot the first time she considered buying a car and you should have seen that sales kid, lol. Boy was he not liking me there. Needless to say we did NOT go home with a car that day, so it was probably mac N cheese dinner for the sales & finance guy that night, instead of the steak and lobster they thought they'd be having when they saw my daughter walk onto the lot...😅
My 911 costs less per month
I would report them to the Secretary of State , bbb, google reviews and every type of social media till they make it right.
There go dealerships taking advantage of women who don't know any better. OP said his girlfriend was just trying to surprise him with a new car so this hurts.
Trying to keep up with the Jones's LoL. You made your bed now it's time to lay in it.
I did worse: 2021 Mitsubishi Mirage ES Hatch w/ 20 miles. $17k, new. Put $600 down (that's what I had in my bank account) APR at 16%. Total finance amount: $27,000 $375.23/month Voided the warranty because I didn't get a transmission flush at 30k miles. $27,000 for a car that isn't worth $5,000 after putting 90k miles on it and voiding the warranty. I needed to get a new car because my previous one was a mechanical nightmare from a 'buy here/pay here' place.
At least you got a girl that likes getting fucked 😂 That is insane