How does anyone afford a new truck? Do you have to make over 100k a year?

How does anyone afford a new truck? Do you have to make over 100k a year? I make 72k and it would be hard unless I put 15k or more down.

Who is buying these? Dual income couples? Most people don't make close to 100k in the US.

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  1. 1 month ago
    Anonymous

    Can you even option a Tacoma to reach $100k? It's $30k at the base.

    • 1 month ago
      Anonymous

      You go to a Toyota dealership and they add the rest of the price for you

      • 1 month ago
        Anonymous

        You need to go to another dealership. Just bought a new 2024 Tacoma TRD offroad package, essentially fully loaded for $500 below MSRP last month. Interest rates being high have made it a buyers market, some dealerships just haven't figured it out yet.

        • 1 month ago
          Anonymous

          Apply yourself, anon

    • 1 month ago
      Anonymous

      Locally in my area of Western Pennsylvania it is impossible to get a base Toyota at 30k. Ones closer to 40k are hard to find. Common is 50 to 60k.

      As for 100k I think it is possible with high end models and dealer markup.

      • 1 month ago
        Anonymous

        >Common is 50 to 60k.
        In fricking Pennsyltucky??
        That's grim...

    • 1 month ago
      Anonymous

      Most new trucks are leased. A lease payment is half what a finance payment is. You can lease a $60k+ half ton for $500/mo which is affordable if you're smart with your finances. But yeah society is set up for couples making good money. If you're single you better be making really, really good money if you want to be able to afford nice things.

      That's clearly not a factory Taco. From the factory, fully optioned out they can easily reach $60k+. You could easily drop another $40k into it with some dope sick off road mawdz so you have the off road capability of a $40k UTV.

      • 1 month ago
        Anonymous

        >That's clearly not a factory Taco. From the factory, fully optioned out they can easily reach $60k+. You could easily drop another $40k into it with some dope sick off road mawdz so you have the off road capability of a $40k UTV.
        Okay don't do all of this moronic shit and get a Taco for $30k.

        • 1 month ago
          Anonymous

          30k is just not possible anymore.

        • 1 month ago
          Anonymous

          There is no such thing as a new $30k Taco. By the time you load them up with the minimum (V6, 4x4 and a locking diff) they're $40k+. Oh and a Taco is not $30k if you give the dealer a $30k vehicle as a trade in fyi.

          • 1 month ago
            Anonymous

            30k is just not possible anymore.

            I am literally in the process of shopping for 2022, 2023 Tacos. The V6 is admittedly unobtainium at a decent price which is why I'm also considering similar trucks with the newer i4.

          • 1 month ago
            Anonymous

            when i was looking in 2022 the used price was as much if not more than the new ones. thats why i went with a new one.

          • 1 month ago
            Anonymous

            Why don't you consider a half ton. If you "don't need" a half ton you probably don't need a small truck either.

          • 1 month ago
            Anonymous

            At this point I think half the people that buy Tacos could buy the hybrid Ford Maverick and accomplish most everything they already do, cheaper with double the mpg.

          • 1 month ago
            Anonymous

            Modern half tons just look utterly shit and at the point I want something larger than a small truck I'd be better off getting a true SUV.

          • 1 month ago
            Anonymous

            Half tons look like shit but the current small trucks don't? lol okay take your meds and get your eyes checked. What "true SUV's" do you think are better?

          • 1 month ago
            Anonymous

            Not him but I got a midsize because the used market is fricked and a 2 year old 40k mile midsize was the same price as a 5 year old 100k half ton with similar options. (Crew cab, 4x4, etc.)

          • 1 month ago
            Anonymous

            >(Crew cab, 4x4, etc.)
            hell yeah brother! Your truck sounds BADASS

          • 1 month ago
            Anonymous

            Mine obviously isn't a Tacoma since used prices on those are even more insane than half tons, plus I couldn't deal with the fricked up driving position. I also don't care if anybody thinks it's badass or whatever, I just needed something with 4wd that wasn't gigantic and a truck was more practical and a better deal than a Jeep.

          • 1 month ago
            Anonymous

            Got a crew cab 5.3 cheby for less than this Black person paid for his Tacoma...

      • 1 month ago
        Anonymous

        >But yeah society is set up for couples making good money.
        tfw incel

        • 1 month ago
          Anonymous

          Same here, forever alone.

    • 1 month ago
      Anonymous

      In Texas you probably can. The Black folk at the goyota dealership here tried to sell me a 70k+ mile 2017 taco for $60k last year
      I'm thinking of driving to Louisiana to buy a car

  2. 1 month ago
    Anonymous

    I will never believe that people actually pay $100k for a fricking Taco lmao.

  3. 1 month ago
    Anonymous

    >Who is buying these?
    People who are willing to go eyeball-deep into debt and/or rich tech workers larping as tradies.

    • 1 month ago
      Anonymous

      These people are insane!

      • 1 month ago
        Anonymous

        >These people are insane!
        Pickup trucks are a mental illness in America. Mutts will sell their souls, their families, their first born, and the nation for the privilege to drive a pickup truck at 50% markup and 20% APR.

  4. 1 month ago
    Anonymous

    my tacoma payment is like $360 a month, not bad at all. to insure two tacomas its like $1400 a year. i make less than 100k a year. what are you spending all your money on?

    • 1 month ago
      Anonymous

      Rent, student loans, groceries, credit card debt when I was between jobs, utilities. The normal stuff.

      • 1 month ago
        Anonymous

        are you getting fricked on rent? how much are you looking to put down on the truck?

        • 1 month ago
          Anonymous

          I do analysis on everything. Going to keep my 09 Honda Fit for another 3 years. After that I'll probably put 15k to 20k down. So gives me time to save.

    • 1 month ago
      Anonymous

      That means you only financed like what 16k? Less than half the cost of a Tacoma.

      • 1 month ago
        Anonymous

        a little less than that.

        • 1 month ago
          Anonymous

          Fricking great APR. Mines 8.5% and that was with great credit and $7k down. I'll refinance next year if the car market settles.

    • 1 month ago
      Anonymous

      >my tacoma payment is like $360 a month
      You omitted the key details, as to:
      Sales Price
      Amount financed.
      >$360 month
      That was my payment 30 years ago on 16K, so cough up the EXACT OTD price + Loan or piss off.

      • 1 month ago
        Anonymous

        Ok, I see that you posted the details.
        Thank You sir.

        my tacoma payment is like $360 a month, not bad at all. to insure two tacomas its like $1400 a year. i make less than 100k a year. what are you spending all your money on?

        • 1 month ago
          Anonymous

          They didn't really post the details. Just the balance.

          • 1 month ago
            Anonymous

            Thanks mate.

          • 1 month ago
            Anonymous

            was almost 4k under MSRP, bought a year ago. put like 33k down. out the door price was $46500 which includes high California sales tax i wasn't planning on having to pay

          • 1 month ago
            Anonymous

            forgot pic

          • 1 month ago
            Anonymous

            Did they at least throw in a complimentary tub of grease before they bent you over?

          • 1 month ago
            Anonymous

            I'm sure they gave him coupons for an oil change not including the filter and for inspection not including emissions. As they laughed all the way to the bank!

          • 1 month ago
            Anonymous

            >$46k
            >no cooled leather seats
            Bruh. My $25k Mazda has those, wtf are they charging so much for?

          • 1 month ago
            Anonymous

            >My $25k Mazda has those
            BT-50 brah?

          • 1 month ago
            Anonymous

            got pretty much the exact same build as you, prem/advtech/LED 6MT TRDOR in white. got $2,700 under MSRP from a NorCal dealership thru Costco Auto program at a time when everyone else was paying $5k+ ADM. used the TFS 3.99% APR loan offer too

            solid deal on a solid truck, and still 8hp more than 4th gen 6MT

          • 1 month ago
            Anonymous

            I really wanted the LED package but after a year of looking i wasnt picky. ill put those on someday

  5. 1 month ago
    Anonymous

    morons do not see the final price and only see the monthly payment price. They don't consider the length of the term and how much they'll end up losing. They don't know how to use a loan calculator either to see that usually loans double to total paid price by the end of the loan term, due to the interest. Interest loans are literally just a way to make someone pay double over time without realizing it. They're usually set up to be just about double or more by the time you get through the entire loan term and have paid all the extra interest. Always use a loan calculator and know what you're actually paying.

  6. 1 month ago
    Anonymous

    Most people are moronic. I make more money than you, buddy and I'd hate to break it to you, you can't afford the car even with a 15k downpayment either. I'm looking at a 30k~ ish car. Which is budget/entry level car prices for what is a well above average salary. Welcome to hell.

    You need a 10-20k used truck. Sorry to break the bad news.

    • 1 month ago
      Anonymous

      Is a cheap jimmy a good buy for someone who lives in a rural area and just wants a nice off-roading car?

      • 1 month ago
        Anonymous

        Always has been, now go visit jimmy venues to learn what to look for.

  7. 1 month ago
    Anonymous

    People either get 84 month payments at some moronic interest rate, lease them, or just YOLO everything into some meme truck that has a 50/50 chance of getting repo’d. Keep in mind that despite everyone b***hing about inflation consumer spending hasn’t died down a bit.

  8. 1 month ago
    Anonymous

    >solid axle conversion
    >100K
    At that point just buy a Jeep.

  9. 1 month ago
    Anonymous

    avg new car buyer makes 124k
    theyre not for you

    • 1 month ago
      Anonymous

      source: butthole

    • 1 month ago
      Anonymous

      I make 145k and I don’t get it. They must be in debt up to their eyeballs. Or very disciplined about spending.
      I still think it’s a poor purchase unless you really need it. I bought a cheap old used truck that runs well at 28 years old. It does everything I need a truck to do: carry big shit that I can’t fit in my car.

      • 1 month ago
        Anonymous

        Based.

        Why do so many people buy a truck when they don't need a truck? More expensive to buy, maintain, and gas hogs.

        They're easier to maintain if you wrench which I do as access to most parts is easy and the vast number of similar truggs ensures donors for much longer intervals vs. typical cars.

        In the US petrol is almost free in non-troon states so not a problem and trucks do everything worthwhile cars do plus have space for things they don't do. Everything I drive for utility use has always been a beater by choice since there is no functional cold pragmatic advantage. I keep muh truggs for decades which is easy to do and smashed cost per yer down to such low levels they're often hard to measure (if you wrench which truggs facilitate). Of course I do constant truckshit so nothing less would suit my use case but even if I didn't I also ride motorcycles and wrench them so trugg = good.

        • 1 month ago
          Anonymous

          >In the US petrol is almost free in non-troon states
          Honestly even in the shit states it's not that big of a difference these days, modern trucks really aren't that bad on gas and anything you'd realistically buy as an alternative is at best only gonna be like 3-4 mpg better in real-world city driving conditions. I had to move back in with my dad and brother in LA temporarily and my bro's Outback only gets 18mpg in the same driving conditions where my nuRanger gets 17, and even the Fiesta ST I used to have only averaged around 24 (despite being vastly better on the highway, averaging nearly 40mpg while my truck gets 23) and that obviously isn't a comparable vehicle.

  10. 1 month ago
    Anonymous

    Same boat as you, OP.
    75k/year.
    Have 25k saved.
    Wanting a higher trim Silverado 1500 or F150.
    Even with 25k down, monthly rates (estimated) are $500-$699.
    Not sure how much insurance would be either.

    • 1 month ago
      Anonymous

      Why are you making $75k and trying to dump most/all your savings into higher trim truck. I'm not some Dave Ramsey homosexual but this is a terrible decision.

      • 1 month ago
        Anonymous

        What trim should I be going for?
        Custom for Chevy Silverado 1500?
        XLT for Ford F150s?
        Just want a nice truck. Have a wife + two kids.

        • 1 month ago
          Anonymous

          Are they young kids? Buy an Odyssey instead.

          • 1 month ago
            Anonymous

            Yes. And no, I want a truck lol

          • 1 month ago
            Anonymous

            good choice, you will finally be a real man with your real truck

        • 1 month ago
          Anonymous

          WT chirst

  11. 1 month ago
    Anonymous

    Don't most people own trucks through a business/trade and write off the value in taxes?

  12. 1 month ago
    Anonymous

    by having a shit old rally car i fixed up for 5k and bought for 10k

  13. 1 month ago
    Anonymous

    i make $120k and i'd never buy a new truck. even used trucks are a scam. the people you see driving new trucks are Black person cattle debtslaves maxing out their $60-80k/year income.

  14. 1 month ago
    Anonymous

    people that own their own business and can write it off on taxes.

    • 1 month ago
      Anonymous

      You have to actually use it for business and only deduct the % you use for business or you go to tax jail. Even then, writing it off doesn't mean the truck is free. If you make less than $200k, you are getting a refund of 25 cents per every dollar you spend at most. The tax savings increases the higher your income but at a point where it becomes very meaningful you make so much money getting some discount on a truck probably doesn't mean anything to you.

      • 1 month ago
        Anonymous

        >only write off the percent you use for business
        And the IRS knows whether those 100k miles you put on it were for business or not HOW, exactly?

        • 1 month ago
          Anonymous

          When they audit you, it's your responsibility to provide proof, not their burden to prove you didn't use it for business. Good luck.

          • 1 month ago
            Anonymous

            The IRS is not going to audit anybody for claiming work mileage on their taxes for a small business you paranoid moron.

          • 1 month ago
            Anonymous

            Of course, Mr. IRS Agent. IRS won't audit anyone so deduct away.

  15. 1 month ago
    Anonymous

    These are cars for blue collar workers. They aren't that expensive.

  16. 1 month ago
    Anonymous

    You should unironically never buy a vehicle worth more than what you make in a year.

    • 1 month ago
      Anonymous

      Why?

      • 1 month ago
        Anonymous

        You'll never be able to save money because your debt to income ratio is in the negative. This is only practical with a house because homes are the best equity one can have with debt. Homes don't depreciate the same way a car does.

        • 1 month ago
          Anonymous

          >You'll never be able to save money because your debt to income ratio is in the negative
          > 50k/yr
          > 60k car
          > 60/5=12
          > 50-12=???

          • 1 month ago
            Anonymous

            You're assuming your car is your only financial responsibility.

          • 1 month ago
            Anonymous

            >city, state, and federal taxes
            >savings/retirement
            >800$ rent
            >400$ food
            >100$ insurance
            >250$ gas
            >800x12= 9600$
            >400x12= 4800$
            >100x12= 1200$
            >250x12= 3000$
            $ bare essentials
            >your take home is now half of your earnings
            and I'm lowballing the costs here
            you can't afford it

          • 1 month ago
            Anonymous

            >taxes
            >savings
            >insurance

            This some white people shit?

          • 1 month ago
            Anonymous

            israeli, actually.

          • 1 month ago
            Anonymous

            >bare essentials
            Dis be wy peepo shit?

          • 1 month ago
            Anonymous

            >Rent 800
            >Insurance 100
            No insurance or rent is that low now.

          • 1 month ago
            Anonymous

            My insurance is $85 a month for a 2024 XSE. That's with Gap and 100k/300k liability. It was almost $150 before my speeding ticket left my record.

          • 1 month ago
            Anonymous

            Where the heck are you renting an apartment for $800 a month in 2024?

          • 1 month ago
            Anonymous

            Ya never heard of Pine Bluff, AR sonny?

    • 1 month ago
      Anonymous

      Hell you shouldn’t be buying a car that’s even 25% of your annual income.

  17. 1 month ago
    Anonymous

    Possibly relevant - car repos are way up because people can't actually afford this shit.

    https://www.wcax.com/2024/02/29/repossessions-rise-more-vehicle-owners-fall-behind-loan-payments/

    https://finance.yahoo.com/news/car-repossessions-rise-danger-losing-183312724.html

    https://www.nbcnews.com/politics/economics/car-repossessions-are-rise-warning-sign-economy-rcna61916

  18. 1 month ago
    Anonymous

    I bought a new 2023 tacoma off-road last year for about $42k. I paid cash, roughly 60% from my savings, and 40% from some inheritance.

    But, when I compare used 2023 Tacos on the market today with the same trim, options, and milage, the price is still around $42k.
    It's not so much a purchase at this point as it is a crappy investment. The money isn't gone, it's just changed shape. I can always get most of that money back when I sell it, and I suspect I will for many years to come because people will always want the last of the V6 Tacos.

    • 1 month ago
      Anonymous

      Until the turbo 4bangers become as commonplace on the used market as the previous i4s the V6 is going to absolutely hold it's value. Afterwards people may still want them for the novelty (or if the turbo 4 is a huge letdown), but you should probably sell it off and jump ship before too long if you're only holding on for resale value.

  19. 1 month ago
    Anonymous

    Why do so many people buy a truck when they don't need a truck? More expensive to buy, maintain, and gas hogs.

    • 1 month ago
      Anonymous

      Because if you have a truck you CAN do things that require a truck if the need arises in future. If you don't have a truck you just get fricked.
      And contrary to what you might think virtually everyone runs into situations where it'd be extremely useful to have access to a truck occasionally.

      • 1 month ago
        Anonymous

        This is why I'm thinking of getting one. I wouldn't do truck shit that often but it would be nice to be prepared when I do need to do truck shit.

        Though I also believe I don't need anything more than a cheap beater truck in addition to my car. But I don't have room for 2 vehicles.

        • 1 month ago
          Anonymous

          Yeah I wouldn't suggest splurging for a new truck unless you're trying for a 1-car solution and don't expect to be burning too much gas. If you already have a daily then just get a beater V6.

    • 1 month ago
      Anonymous

      >More expensive to buy
      Compared to what? A half ton costs as much as a RAV4... Not all trucks are $70k luxury trim trucks.

      >maintain
      Trucks are built to tow and haul. Using them as a grocery getter puts little to no stress on them. This equals good longevity. This is why trucks always outlast cars.

      >gas hogs
      Stop living in 1990. A half ton gets comparable mileage figures to a turbo4 crossover.

      So what do you think is a better buy than a truck for a person who doesn't need a truck?

    • 1 month ago
      Anonymous

      Image and ride height.

      Yes. And no, I want a truck lol

      Buy a low end truck honestly because you g kids destroy vehicles even the most well behaved ones.

  20. 1 month ago
    Anonymous

    Can anyone explain to me why midsize trucks have such piss poor gas mileage compared to their bigger brothers? Serious question. Is it because more R&D goes into the bigger trucks due to them greatly outselling midsizes?

    • 1 month ago
      Anonymous

      You have a tiny and stressed car engine moving a 5500lb truck. It's engine load that determines fuel consumption not displacement. 8/10 speeds have made it better but it's still not great.

      • 1 month ago
        Anonymous

        Aaaahhhh, I didn't even factor in the fact the fullsizes have more gears. Probably that.

        >Can anyone explain to me why midsize trucks have such piss poor gas mileage compared to their bigger brothers?
        They don't.

        They do though. This has been a common meme on car forums against the 1/4 ton trucks. Tacoma, Colorado, Ranger, Gladiator get laughable 16-18 real world mpg by most people where as 1/2 tons are getting in the low 20's.

        I can get my Tacoma in the low 20's but that's me driving like an utter grandma.

    • 1 month ago
      Anonymous

      >Can anyone explain to me why midsize trucks have such piss poor gas mileage compared to their bigger brothers?
      They don't.

  21. 1 month ago
    Anonymous

    >https://www.youtube.com/live/rcQSsxMs8gM?t=4857
    yotasisters... not looking good for us fr

  22. 1 month ago
    Anonymous

    If these are supposed to be so expensive for what they are, why am I seeing more and more on the roads as time goes on?

    • 1 month ago
      Anonymous

      Because, as is often pointed out on DA, normies are far too willing to take out stupid amounts of car debt.

  23. 1 month ago
    Anonymous

    I have no idea people that are good at making bad financial decisions probably.

    I’m a military contractor and I see new tacos EVERYWHERE or 4Runners.

    One lady I know works part time, husband is USAF. They have a fully built 4Runner and a built Tacoma and other cars. I can only assume they are in hella debt.

    • 1 month ago
      Anonymous

      > They have a fully built 4Runner and a built Tacoma and other cars.
      What are the odds both husband and wife need to off-road separately on the same day?

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