Sounds like you'd get tremendous peace of mind if you did it now. Life is short, get the truck now and enjoy. Interest rates going up, everything is going up and the future is uncertain, this is a bird in the hand.I've found the exact truck I want on a lot (Hybrid Lariat Lux), but the dealer mark-up is $4,500. I already have financing ready.
Pros:
Cons:
- I get the truck immediately. My car might not make it another year if I place my order on 8/2.
- My financing is locked at 2.34% for 60 months. Who knows what interest rates will be when I can finally buy the truck - likely higher.
- MY23 model prices are increasing. Looks like by at least $1K on the website (e.g. XL showqs 20,995 instead of 19,995). Could be higher? So the markup is really more like $3.5K.
- Paying the stealership a dollar over MSRP, especially $4.5K, fucking sucks.
What say you?
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