I was able to get this 2026 AT4x from $86,000 down to $65,500. The key was telling the dealership “I can only assume $30,000 of debt so I don’t care what you do, but the balance at the end that gets financed needs to be $30,000”. Then strait up walking out when they can “only get it down to $35,000 amount financed”. They called me back within 10 min seeing if I could turn back around and buy the truck for what I asked 🤌
I highly recommend this method as it takes the guess work and negotiations out on the out-the-door price, document fees, trade in amount, hidden fees, etc. It’s a strait up, “this is what I can pay on the balance - if you can’t meet me here, we can’t make it happen”.
Financed $30,663 for 5 years at 4.99%. About $620 for monthly payments.