has anyone negotiated TFS interest rates down? - Toyota Yaris Forums

TinyGiant · 10-18-2009, 07:45 PM

my interest rate from when i purchased the car was like 8.6% or something We are starting to get back on our feet from the layoff but anything helps.. think they would lower the interest rate on the loan?

bladesmith6 · 10-18-2009, 08:21 PM

I severely doubt it, I bought my card 3 yrs ago and got 8.95 % from the dealer and wasn't happy then, they pretty much told me to pound sand and I doubt they have gotten any better. While I'm glad I bought a toyota for other reasons, I've always had the feeling they were "oh you already purchased your vehicle, well then I don't really care unless your buying another one"

TinyGiant · 10-18-2009, 08:22 PM

yeah did you talk to the dealer or toyota credit?

bladesmith6 · 10-18-2009, 08:29 PM

Well the local dealer at the time. I haven't tried thru TFS since then. I didn't like how I was treated at the dealer and kind of just left it at that but try TFS ya never know, maybe keeping current customers happy means more to them...

TinyGiant · 10-18-2009, 08:32 PM

yeah . i called my 2 credit cards and got them down to 0%-5% i think i'll call toyota tomorrow. can't hurt to ask :)

POORSHA · 10-18-2009, 09:26 PM

aaa southern ne refi rate is 4.49

TinyGiant · 10-18-2009, 09:29 PM

being that my house is in forbearance idk if i can refi outside of the companies i am already dealing with

after this months payments they are supposed to put my mortgage back on regular standings so it doesnt look like i'm not paying lol such an odd system they have

yaris-me · 10-19-2009, 01:04 AM

Don't go to Toyota first. See if you can get another company to give you a better rate, then go to Toyota and tell them that you found a better rate.

YarisSedan · 10-19-2009, 01:07 AM

I went to my local credit union and refinaced my loan to i thikn 4.9. They sent toyota a payoff check and now they are my new lender. I would give that a shot and see how much you can save.

TinyGiant · 10-19-2009, 01:20 AM

i'll see what they can do .

or just call and bluff the toyota and tell them i found 4.9 and am considering refi but if they would like to reduce my rate i'll let them keep it

contraband831 · 10-19-2009, 01:36 AM

I would go to a credit union, TFS are greedy PIGS!

yaris-me · 10-20-2009, 12:20 AM

Quote:

Originally Posted by TinyGiant

i'll see what they can do .

or just call and bluff the toyota and tell them i found 4.9 and am considering refi but if they would like to reduce my rate i'll let them keep it

Don't bluff. They can look up your credit score. They'll be laughing if you can't leave.

SaerinRhoe · 10-20-2009, 12:29 AM

This reminds me of an old song...

You gotta know when to hold 'em,
Know when to fold 'em,
Know when to walk away,
And know when to run.

Or something like that at least. :) Good luck with your search and I hope you can get a lower interest rate. That gives me hope of lowering my 17.99% interest rate that I've got on my Yaris right now.

S.R.

TinyGiant · 10-20-2009, 12:30 AM

woo thats high

10-18-2009, 07:45 PM	#1
TinyGiant Tiny Giant Clothing View User's Garage Drives: 2008 Blazing Blue Yaris 3D LB Join Date: Oct 2008 Location: Rochester, NH Posts: 3,394	has anyone negotiated TFS interest rates down? my interest rate from when i purchased the car was like 8.6% or something We are starting to get back on our feet from the layoff but anything helps.. think they would lower the interest rate on the loan? __________________ Sold the yaris... rocking an 89 vw cabriolet now :)

10-18-2009, 08:22 PM	#3
TinyGiant Tiny Giant Clothing View User's Garage Drives: 2008 Blazing Blue Yaris 3D LB Join Date: Oct 2008 Location: Rochester, NH Posts: 3,394	yeah did you talk to the dealer or toyota credit? __________________ Sold the yaris... rocking an 89 vw cabriolet now :)

10-18-2009, 08:32 PM	#5
TinyGiant Tiny Giant Clothing View User's Garage Drives: 2008 Blazing Blue Yaris 3D LB Join Date: Oct 2008 Location: Rochester, NH Posts: 3,394	yeah . i called my 2 credit cards and got them down to 0%-5% i think i'll call toyota tomorrow. can't hurt to ask :) __________________ Sold the yaris... rocking an 89 vw cabriolet now :)

10-18-2009, 09:29 PM	#7
TinyGiant Tiny Giant Clothing View User's Garage Drives: 2008 Blazing Blue Yaris 3D LB Join Date: Oct 2008 Location: Rochester, NH Posts: 3,394	being that my house is in forbearance idk if i can refi outside of the companies i am already dealing with after this months payments they are supposed to put my mortgage back on regular standings so it doesnt look like i'm not paying lol such an odd system they have __________________ Sold the yaris... rocking an 89 vw cabriolet now :)

10-19-2009, 01:07 AM	#9
YarisSedan Drives: 08 Yaris Sedan Join Date: Oct 2008 Location: California - Bay Area Posts: 2,773	I went to my local credit union and refinaced my loan to i thikn 4.9. They sent toyota a payoff check and now they are my new lender. I would give that a shot and see how much you can save. Last edited by YarisSedan; 10-19-2009 at 02:37 AM.

10-18-2009, 08:21 PM	#2
bladesmith6 View User's Garage Drives: 2007 yaris HB Join Date: Mar 2006 Location: PA Posts: 401	I severely doubt it, I bought my card 3 yrs ago and got 8.95 % from the dealer and wasn't happy then, they pretty much told me to pound sand and I doubt they have gotten any better. While I'm glad I bought a toyota for other reasons, I've always had the feeling they were "oh you already purchased your vehicle, well then I don't really care unless your buying another one"

10-18-2009, 08:29 PM	#4
bladesmith6 View User's Garage Drives: 2007 yaris HB Join Date: Mar 2006 Location: PA Posts: 401	Well the local dealer at the time. I haven't tried thru TFS since then. I didn't like how I was treated at the dealer and kind of just left it at that but try TFS ya never know, maybe keeping current customers happy means more to them...

10-18-2009, 09:26 PM	#6
POORSHA View User's Garage Drives: 2008 LB Join Date: Nov 2008 Location: NE CT Posts: 418	aaa southern ne refi rate is 4.49

10-19-2009, 01:04 AM	#8
yaris-me Learn to Relax Drives: 2007, Meteorite, LB Join Date: Dec 2008 Location: Anaheim, CA Posts: 2,070	Don't go to Toyota first. See if you can get another company to give you a better rate, then go to Toyota and tell them that you found a better rate.

10-19-2009, 01:20 AM	#10
TinyGiant Tiny Giant Clothing View User's Garage Drives: 2008 Blazing Blue Yaris 3D LB Join Date: Oct 2008 Location: Rochester, NH Posts: 3,394	i'll see what they can do . or just call and bluff the toyota and tell them i found 4.9 and am considering refi but if they would like to reduce my rate i'll let them keep it __________________ Sold the yaris... rocking an 89 vw cabriolet now :)

10-19-2009, 01:36 AM	#11
contraband831 El Huevo Drives: 2007 Liftback Join Date: Aug 2006 Location: CEN*CAL Posts: 959	I would go to a credit union, TFS are greedy PIGS! __________________

10-20-2009, 12:29 AM	#13
SaerinRhoe '09 Yaris View User's Garage Drives: '09 Yaris Join Date: Mar 2009 Location: Dallas, Texas Posts: 346	This reminds me of an old song... You gotta know when to hold 'em, Know when to fold 'em, Know when to walk away, And know when to run. Or something like that at least. :) Good luck with your search and I hope you can get a lower interest rate. That gives me hope of lowering my 17.99% interest rate that I've got on my Yaris right now. S.R. __________________ 2009 Yaris 3-Door Liftback MT Black Sand Pearl

10-20-2009, 12:30 AM	#14
TinyGiant Tiny Giant Clothing View User's Garage Drives: 2008 Blazing Blue Yaris 3D LB Join Date: Oct 2008 Location: Rochester, NH Posts: 3,394	woo thats high __________________ Sold the yaris... rocking an 89 vw cabriolet now :)

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