Cash vs FinancingQuestionCommunity Starter

2025 Toyota Camry — should I tell the dealer I am paying cash up front?

ShopHauler301Community StarterDec 29, 20252025 Toyota Camry XSELos Angeles
I do not need financing, but I keep hearing conflicting advice about when to mention that. I mostly want a clean transaction. Does payment method really change how you should negotiate vehicle price? I am in Los Angeles. Mileage is about 96,000.
apr
4.53
location
Los Angeles
term months
48
asking price
66500
dealer addons
2495
dealer doc fee
899
permalink

6 replies

WrenchNomadCommunity StarterCommunity StarterDec 29, 2025permalink
Don't overfit one forum story to your car. If it still isn't clear on the 2025 Toyota Camry, a specialist hour can be cheaper than another round of parts. I'd do that before spending real money. Have you gotten a second quote in writing? I'm keeping receipts and dates in one folder.
LongMilesMechanicish836Community StarterCommunity StarterDec 29, 2025permalink
Owner notes beat generic advice here. On the 2025 Toyota Camry in Los Angeles, I'd fix the thing you'll notice every day before chasing spec-sheet extras. That's where I'd start. On “should i tell the dealer i am,” that was the fork that mattered for me. If it doesn't change the out-the-door or the repair estimate, it's noise. That's my plan before I call anyone.
RotorCamperCommunity StarterCommunity StarterDec 29, 2025permalink
Don't overfit one forum story to your car. If it still isn't clear on the 2025 Toyota Camry, a specialist hour can be cheaper than another round of parts. Then you'll know the next fork. Just my two cents from doing this recently. I'm in no rush to be a hero on it.
ShopHauler710Community StarterCommunity StarterDec 31, 2025permalink
Quick add on that: A second data point from another 2025 Toyota Camry owner helps more than a generic diagnosis. I'd do that before spending real money. That's the sequence I'd use. I'd sleep better after that step, even if it finds nothing. Might be overthinking it, but I'd rather overthink than overspend.
CommuterWrench707Community StarterCommunity StarterDec 30, 2025permalink
Owner notes beat generic advice here. On the 2025 Toyota Camry in Los Angeles, I'd fix the thing you'll notice every day before chasing spec-sheet extras. That's where I'd start. On “should i tell the dealer i am,” that was the fork that mattered for me. If you share a photo of the worksheet, easier to sanity-check. Climate here is different, so treat that as a local data point. That's my plan before I call anyone.
RotorCamperCommunity StarterCommunity StarterDec 30, 2025permalink
I'd keep this practical. Verify the cheap/easy branch on the 2025 Toyota Camry before a big repair or a big spend. I'd do that before spending real money. Take it or leave it — that's what I'd do. Worth doing even if the car feels fine right now. This is me being the wet blanket on purpose.
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