Financing, APR & RefinancingQuestionCommunity Starter

1988 Toyota Land Cruiser FJ62 — need advice: CPO luxury SUV or brand-new mainstream SUV?

RoadHauler32Community StarterMar 21, 20261988 Toyota Land Cruiser FJ62Los Angeles
1988 Toyota Land Cruiser FJ62, about 14,500 miles. Budget works for either a lightly used luxury SUV or a new mainstream model with a full warranty. I'm more worried about three-to-five-year ownership cost and service downtime than the purchase price. How would you compare them? Any data points from owners would help.
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16 replies

EcoRunner93Community StarterCommunity StarterMar 21, 2026permalink
Treat this like a math problem, not a vibe. A written buyer’s order on the 1988 Toyota Land Cruiser is worth more than any verbal “we’ll make it work.” I'd rather lose the car than buy a foggy deal. Happy to compare notes if your setup is different. Might be overthinking it, but I'd rather overthink than overspend.
ColdStartCollector64Community StarterCommunity StarterMar 22, 2026permalink
I hear you, though I'd still want a second check. A written buyer’s order on the 1988 Toyota Land Cruiser is worth more than any verbal “we’ll make it work.” If they balk, that's your answer. Stop there until you know. Going to re-read the worksheet tonight.
EcoRunner93Community StarterCommunity StarterMar 23, 2026permalink
I'd push back a little: I would not wire money until I've seen the 1988 Toyota Land Cruiser and the title situation in person or via a trusted PPI. Then the comparison gets honest. If you share a photo of the worksheet, easier to sanity-check. I've seen both outcomes, which is why I'd test instead of assume. Not letting add-ons ride along because everyone does.
MileageCamperCommunity StarterCommunity StarterMar 22, 2026permalink
Treat this like a math problem, not a vibe. GAP, paint, and nitrogen are optional until you run the 1988 Toyota Land Cruiser numbers without them. I'd rather lose the car than buy a foggy deal. Take it or leave it — that's what I'd do. Sleeping on the number either way.
ColdStartCollector64Community StarterCommunity StarterMar 22, 2026permalink
Get the messy numbers in writing first. GAP, paint, and nitrogen are optional until you run the 1988 Toyota Land Cruiser numbers without them. If they balk, that's your answer. On “need advice: cpo luxury suv or brand-new,” that was the fork that mattered for me. Stop there until you know. If they get vague again I'm shopping the deal elsewhere.
MileageCamperCommunity StarterCommunity StarterMar 22, 2026permalink
If I were shopping this, if one piece looks too good on the 1988 Toyota Land Cruiser, hunt doc fees, accessories, and the APR next. That's the part that actually changes the decision. Take it or leave it — that's what I'd do. Doc fee is the line I'm watching.
RoadHauler32Community StarterCommunity StarterMar 22, 2026permalink
Update from me: I finally have sale price, fees, and trade on separate lines for the 1988 Toyota Land Cruiser. This is the version I'd tell a friend.
EcoFanCommunity StarterCommunity StarterMar 22, 2026permalink
If I were shopping this, if they're pushing term length to shrink the payment, the 1988 Toyota Land Cruiser price probably got worse. That's the part that actually changes the decision. Just my two cents from doing this recently. Going to compare one more dealer before I decide.
CruiseMiles59Community StarterCommunity StarterMar 22, 2026permalink
Don't send a deposit on a phone quote. If one piece looks too good on the 1988 Toyota Land Cruiser, hunt doc fees, accessories, and the APR next. That's the part that actually changes the decision. Happy to compare notes if your setup is different. If the title is messy I'm out, full stop.
MileageCamperCommunity StarterCommunity StarterMar 22, 2026permalink
Get the messy numbers in writing first. Keep sale price, trade, and financing split on the 1988 Toyota Land Cruiser so a “good payment” cannot bury a worse deal. If they balk, that's your answer. On “need advice: cpo luxury suv or brand-new,” that was the fork that mattered for me. This is from a 1988 Toyota Land Cruiser in Los Angeles with 14,500 miles. Just my two cents from doing this recently. I'd rather look cautious in this thread than stuck later.
EcoRunner93Community StarterCommunity StarterMar 22, 2026permalink
Insurance and tax belong in the comparison, not as a surprise. GAP, paint, and nitrogen are optional until you run the 1988 Toyota Land Cruiser numbers without them. Do that before you talk monthly again. On “need advice: cpo luxury suv or brand-new,” that was the fork that mattered for me. Happy to compare notes if your setup is different. I screenshotted the quote for later.
ColdStartCollector64Community StarterCommunity StarterMar 23, 2026permalink
Fair point. Counterpoint: If they're pushing term length to shrink the payment, the 1988 Toyota Land Cruiser price probably got worse. Then the comparison gets honest. That's the whole play. If the VIN lookup is clean I'm still doing PPI.
EcoFanCommunity StarterCommunity StarterMar 23, 2026permalink
I'd slow the salesperson down here. I would not wire money until I've seen the 1988 Toyota Land Cruiser and the title situation in person or via a trusted PPI. Then the comparison gets honest. Not gospel, but it saved me a headache. If the story changes I'll post the new data.
MileageCamperCommunity StarterCommunity StarterMar 23, 2026permalink
Agree — and I'd add this: A written buyer’s order on the 1988 Toyota Land Cruiser is worth more than any verbal “we’ll make it work.” Do that before you talk monthly again. On “need advice: cpo luxury suv or brand-new,” that was the fork that mattered for me. Take it or leave it — that's what I'd do. If your situation is the opposite, ignore me. I screenshotted the quote for later.
ColdStartCollector64Community StarterCommunity StarterMar 23, 2026permalink
Asking because it changes the advice: I would not wire money until I've seen the 1988 Toyota Land Cruiser and the title situation in person or via a trusted PPI. That's the part that actually changes the decision. Do that first. I'm in no rush to be a hero on it.
RoadHauler32Community StarterCommunity StarterMar 23, 2026permalink
OP here. Still looking, but I'm waiting on inspection notes before I send money on the 1988 Toyota Land Cruiser. Going to compare one more dealer before I decide.
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