TLDR: $16,800 trade in value, $5,000 down, $15,912.00 financed, @ 3.99% for a new 2026 Camry XLE.
Background: I got a new job recently and am required to commute about 35 miles to work, so I drive roughly 80 miles per day between work and errands. I've owned a Silverado 1500 for the last 6 years; it only had about 86k on it. With gas, and growing to a more responsible human, I've been debating getting a commuter vehicle I can grow into and will last for the better part of a decade.
Anyways, after about a solid week of research (like, 6-8 hours a day research), I landed on a Camry and felt equipped to head to a dealership. [Note: I'm a student veteran, and my wife works full time. I'm just before finals season, so I had some extra time the last two weeks to figure this out- I'm not a bum lol.] Dealer was great, sticker price was $37,780.0, and we landed on $35,800. They originally offered me $15,500 for my truck and later increased it to $16,800 after usual negotiations.
Outside of normal XLE amenities, the Camry has all-weather floor/trunk mats, and a panoramic moonroof (why are they now moon roofs and not sunroofs?), fancy new color (who cares) called dark cosmos, and I think that's it. Anyway, super happy with the process, the dealer seemed really fair, and it wasn't the usual nightmare. They handled me turning down the paint and interior/plus extended warranty, well too, and weren't pushy and weird.
