Toyota 4Runner Buyer's Honesty Is Now At Stake As His Monthly Payment Is Cheaper Than Quoted

A recent Reddit post by a new 4Runner owner has sparked a conversation about potential dealership discrepancies. The user, who wishes to remain anonymous, described a harrowing car-buying experience that culminated in an unexpected discovery about their loan agreement.

"I recently purchased a 4Runner from a dealer (3 days ago) and I noticed that the loan didn't take into account the $8,000 dealer add-ons that they added to the car," the Reddit user explained. "I had negotiated that down to 2.5k but when I looked at the contract, the amount is not mentioned anywhere. The monthly payment is even cheaper than they had quoted me during the negotiation process."

The buyer went on to describe a stressful purchasing process, stating, "I was there for 4 hours going back and forth to the point where we were driving off the lot and they came running out to give us the final amount we wanted to buy it." Despite the ordeal, the user admitted, "I'm honestly not upset that they are out money due to the hassle that was the purchase process."

And this Toyota 4Runner owner is now asking if Toyota's finance guy gave him a great deal.

Well, as one of the guys commented there, "If the add-ons are physical (such as window tint) you got away with them for free! If the add-ons are service contracts (such as tire coverage) then you will not receive the benefits of their coverage. You can buy those service contacts elsewhere if you want them." In this case, they are physical add-ons.

But as other group members noted, he should be honest and demand Toyota dealership at least review the deal. Perhaps they made a mistake and now someone is about to lose his job.

While the buyer may feel a sense of satisfaction over the dealership's apparent error, it's crucial to address the situation head-on. Experts recommend a calm and direct approach when dealing with such issues. In my opinion, the buyer should contact the dealership immediately and request a thorough review of the loan agreement and purchase contract. This is an honesty issue.

It's essential to maintain a clear and honest conversation with the dealership. By explaining the discrepancy and providing specific details about the negotiated price and dealer add-ons, the buyer can increase the chances of a successful resolution. While the dealership may have made an error, it's equally important to verify that all the paperwork accurately reflects the agreed-upon terms.

You see how important is the buyer's experience at the dealership. In this case, the buyer's experience highlights the importance of carefully reviewing all financial documents before signing. Taking the time to understand the terms of a loan agreement can save significant time and money in the long run.

What would you do in this case? Would you be honest? Remember, what goes around comes around. In the meantime, also see what the best and worst Toyota 4Runner TRD Pro colors are, and how people's favorites do.

Armen Hareyan is the founder and the Editor in Chief of Torque News. He founded TorqueNews.com in 2010, which since then has been publishing expert news and analysis about the automotive industry. He can be reached at Torque News Twitter, Facebook, Linkedin, and Youtube. He has more than a decade of expertise in the automotive industry with a special interest in Tesla and electric vehicles.