With the current market conditions its almost better to negociate the interest rate rather than the price of the car.
Problem is you will likely be right back where you started from payment wise, which if thats the case I would take the Prius over the 4-runner anyday. That is unless you need the utility of the 4-runner.
What sucks is that we as consumers are still being punished with high interest rates, otherwise if the rates were below 5% it would definately be a no brainer.
Good luck.
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If your knees bent in the opposite direction......what would a chair look like???
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