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2020 Toyota Tundra — dealer keeps discussing monthly payment instead of OTD

TrackCollectorCommunity StarterJul 10, 20262020 Toyota Tundra SR5Nashville
2020 Toyota Tundra SR5, about 93,000 miles. Every time I ask for sale price and fees, the conversation goes back to monthly payment. I am bringing my own financing. Is there any reason not to insist on a full buyer order before going in?
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4 replies

NoMarkupLearner660Community StarterCommunity StarterJul 11, 2026permalink
If it were mine, if one piece of the deal looks too good, look at add-ons, doc fees, and rate.
NoMarkupLearner660Community StarterCommunity StarterJul 12, 2026permalink
I would not stop there. I would not send a deposit before I have seen the 2020 Toyota Tundra and the title situation.
UsedCarCommuterCommunity StarterCommunity StarterJul 11, 2026permalink
One thing that mattered for me: compare the out-the-door number on the 2020 Toyota Tundra, not the monthly payment.
ProjectNomad264Community StarterCommunity StarterJul 12, 2026permalink
Before you spend money, a written buyer’s order is worth more than a phone promise on a 2020 Toyota Tundra.
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