Steve's Pacifica replacement thread
Lexus Test Driver
Joined: Feb 2002
Posts: 8,127
Likes: 223
From: New York
I'm not saying the prices are wrong, I'm saying the lease deals suck, and they do. Toyota has decided that they don't need to offer any sort of incentives to sell vehicles and that extends lease residuals and MFs. The MF on the TX550h+ is over 7% interest, compare to a GLS which is under 1% interest with a $5,000 rebate. That makes the GLS and the TX550h+ the same monthly lease cost despite the GLS being $15-20k more expensive. Not faulting Toyota for doing that, they clearly can sell the car just for me that doesn't present an attractive value.
The MSRP of the vehicle is fair for what it is, $85-87k fully loaded PHEV. If I were somebody who buys a car and keeps it 10 years it would be a good buy...but thats not me so for my situation the GLS is a better fit because of the lease deals. In fact lease deals on the GLS are so good right now I can get a $125k GLS580 for $100 more per month than a $105k GLS450...[size=33px].
The MSRP of the vehicle is fair for what it is, $85-87k fully loaded PHEV. If I were somebody who buys a car and keeps it 10 years it would be a good buy...but thats not me so for my situation the GLS is a better fit because of the lease deals. In fact lease deals on the GLS are so good right now I can get a $125k GLS580 for $100 more per month than a $105k GLS450...[size=33px].
Now you’re bitching about its too expensive!
BTW for the 1st time I didn’t lease because the lease prices do suck very bad.
This was you replying to my thread few months ago, can’t make this **** up 🤣[/size]
You need to bring your expectations up into reality. We have become accustomed to very low lease payments because of nonexistant interest rates and high rebates, tariffs are causing automakers to rein in rebates and subvented rates as a way of passing those on to consumers while appearing to hold the line on prices. If the prices you are seeing everyhwere are "insane" to you, yet people are still paying those prices...the issue is your perception of the prices, not the prices. Everybody isn't "foolish", they just live in 2025 and you are still in 2019. The 1% rule is about as salient as saying $100k is a high income. From the past.
Last edited by RNM GS3; Mar 3, 2026 at 07:02 PM.
Thread Starter
Lexus Fanatic
Joined: May 2012
Posts: 68,073
Likes: 3,869
From: Maryland
Were you not the same dude making fun of me when I was complaining about lease prices on the X5 when i was shopping for a new car last year. You were so adamant to suck it up and its just inflation lol
Now you’re bitching about its too expensive!
BTW for the 1st time I didn’t lease because the lease prices do suck very bad.
This was you replying to my thread few months ago, can’t make this **** up 🤣
Now you’re bitching about its too expensive!
BTW for the 1st time I didn’t lease because the lease prices do suck very bad.
This was you replying to my thread few months ago, can’t make this **** up 🤣
Lexus Champion
Joined: Apr 2019
Posts: 11,115
Likes: 1,555
From: FL
Were you not the same dude making fun of me when I was complaining about lease prices on the X5 when i was shopping for a new car last year. You were so adamant to suck it up and its just inflation lol
Now you’re bitching about its too expensive!
BTW for the 1st time I didn’t lease because the lease prices do suck very bad.
This was you replying to my thread few months ago, can’t make this **** up 🤣
Now you’re bitching about its too expensive!
BTW for the 1st time I didn’t lease because the lease prices do suck very bad.
This was you replying to my thread few months ago, can’t make this **** up 🤣
I say all new cars are over priced!
That's my story and I'm sticking to it.
Thread Starter
Lexus Fanatic
Joined: May 2012
Posts: 68,073
Likes: 3,869
From: Maryland
$1,250 for a GLS450 is totally fair. $1,400 for a GLS580 is actually a GREAT deal. $1,100 is totally fair for an X7.
Leases on the TX550h+ are terrible but the car is priced fine at $85k.
Don’t confuse me not wanting to pay that much for a family vehicle with me thinking the prices are unfair.
Dysfunctional Veteran
Joined: Sep 2004
Posts: 8,096
Likes: 313
From: Van Alstyne, TX
And I think paying those monthly payments on a vehicle are absolutely insane.
This is coming from a guy that hasn't had a vehicle payment since 2019, and even then never paid over $550/mo.
This is coming from a guy that hasn't had a vehicle payment since 2019, and even then never paid over $550/mo.
Thread Starter
Lexus Fanatic
Joined: May 2012
Posts: 68,073
Likes: 3,869
From: Maryland
It’s all relative. Money is money, pay it monthly or in one lump sum what’s the difference? I’d rather leave the money invested
Lexus Champion
Joined: Apr 2019
Posts: 11,115
Likes: 1,555
From: FL
That's a rip off.
However, in comparison and in that context, $1,100 for a BMW sounds better to me.
Lead Lap
Joined: Jan 2003
Posts: 4,957
Likes: 501
From: Maryland
I have the perfect SUV for your wife, Durango SRT Hellcat. It’s got a great second and third row and has decent space in the back compared to the X7.
Also, my car payments these days are out of control for the Plaid lease and my Cayenne loan payment, way high.
BTW totally kidding on the Hellcat but I really loved our Durango SRT, like really loved it.
Also, my car payments these days are out of control for the Plaid lease and my Cayenne loan payment, way high.
BTW totally kidding on the Hellcat but I really loved our Durango SRT, like really loved it.
Thread Starter
Lexus Fanatic
Joined: May 2012
Posts: 68,073
Likes: 3,869
From: Maryland
It’s just math. When a car is $50,000 and you finance it for 60 months the payments with no interest are $833 a month with no interest. Thats just what a car today costs.
$1,100 is to RENT a BMW, $800 is to finance a Hyundai he likely owns. To finance a $100k X7 for the same term the payments are $1,666 per month with no interest. Math lol
I have the perfect SUV for your wife, Durango SRT Hellcat. It’s got a great second and third row and has decent space in the back compared to the X7.
Also, my car payments these days are out of control for the Plaid lease and my Cayenne loan payment, way high.
BTW totally kidding on the Hellcat but I really loved our Durango SRT, like really loved it.
Also, my car payments these days are out of control for the Plaid lease and my Cayenne loan payment, way high.
BTW totally kidding on the Hellcat but I really loved our Durango SRT, like really loved it.
But yeah if we got a GLS and leased it or a TX550h+ we’d be paying over $3,000 a month to lease cars. That’s a lot. As much as I love cars that just doesn’t make me feel good. If it doesn’t make me feel good it’s not fun, so that’s the cognitive dissonance I’ve got going on lol
Lexus Test Driver
Joined: Apr 2011
Posts: 8,338
Likes: 327
From: Las Vegas
My last payment, on the truck, was $469/month for 72 months. I paid $1,500 a month and had it paid off pretty quickly, though I absolutely regret doing so. My rate was 2.49%. I lost money by paying it off early.
The BMW I paid cash for only because interest rates were awful. That said, looking back I somewhat wish I had financed it because my returns have even outpaced those rates.
The BMW I paid cash for only because interest rates were awful. That said, looking back I somewhat wish I had financed it because my returns have even outpaced those rates.
Lexus Champion
Joined: Nov 2013
Posts: 13,195
Likes: 1,844
From: WA
I did the same thing on my GS. My loan was 60 months at zero % interest. Payment was about $1k a month, but I paid $1500 because I just didn't like having the payment. Financially, a bit stupid to pay it off early, but I just wanted it over with.
Dysfunctional Veteran
Joined: Sep 2004
Posts: 8,096
Likes: 313
From: Van Alstyne, TX
My last payment, on the truck, was $469/month for 72 months. I paid $1,500 a month and had it paid off pretty quickly, though I absolutely regret doing so. My rate was 2.49%. I lost money by paying it off early.
The BMW I paid cash for only because interest rates were awful. That said, looking back I somewhat wish I had financed it because my returns have even outpaced those rates.
The BMW I paid cash for only because interest rates were awful. That said, looking back I somewhat wish I had financed it because my returns have even outpaced those rates.
Last edited by ArmyofOne; Mar 3, 2026 at 08:58 PM.
Lexus Champion
Joined: Apr 2019
Posts: 11,115
Likes: 1,555
From: FL
It’s just math. When a car is $50,000 and you finance it for 60 months the payments with no interest are $833 a month with no interest. Thats just what a car today costs.
$1,100 is to RENT a BMW, $800 is to finance a Hyundai he likely owns. To finance a $100k X7 for the same term the payments are $1,666 per month with no interest.
$1,100 is to RENT a BMW, $800 is to finance a Hyundai he likely owns. To finance a $100k X7 for the same term the payments are $1,666 per month with no interest.
Dammit, back to the drawing board.
Car prices still to high.