Buying new will usually get you a better rate . I don ' t work with Toyota ' s financing but most banks won ' t finance a used vehicle for less than 2 . 45 , regardless of how good your credit is , how much money you make , and how good loan to value is . 1 . 95 is achievable on used only if your loan term is short . 1 . 95 should be easier to get on new 4 runners though . <| sep |> I ' m a masochist . <| sep |> I used to do things like this when halogen lights were the way to get bright lights . Now that bright LEDs are not only available but cheap as well , I haven ' t looked back . <| sep |> I actually took these , I was trying to zone in on any areas people may use for LC , guess I forgot to take a picture of the full shoe <| sep |> Well , as someone that knows the situation you are in right now I have a few things to say . I try not to pay for everything or buy big gifts girls know who the free stuff guy is The last gift I bought for my girlfriend was her favourite snack and a note saying I like your face hahahah Try to stick with people that are in the same financial class as you this makes things easier Also try going dutch on many things This will get rid of girls that are after your moneyDating is hard . My current girlfriend is an artist who comes from a poor financial background and she still doesn ' t know my net worth I ' m enjoying being treated like a normal dude It ' s hard hiding it when your friends invite the two of you to their mansion though Hahahah