Partner Inventory
2026 Toyota Tacoma TRD Sport
Listed and sold by Kearny Mesa Toyota in San Diego, CA. Car Dogs does not own this vehicle — we just make the introduction and keep the numbers honest.
The ride
Up to $1,000 more in conditional factory rebates if you qualify — itemized below, and not included in the price above.
Offering price — available to any buyer, cash or financed. Includes all dealer-installed equipment. Excludes government taxes and registration plus the state-capped dealer document and electronic filing fees, all itemized in the breakdown. No add-on is required.
Ask Ethel (AI) to check this dealEthel is AI — instant answers, and a real person is one tap away.
Year
2026
Body Style
Truck
Fuel Type
Gas
Exterior
Ice Cap
Interior
Boulder/Black Fabric w/Smoke Silver
Transmission
8-Speed Automatic Transmission
Drivetrain
4-Wheel Drive
Engine
2.4L i-FORCE 4-Cyl. Turbo Engine
Features & equipment60 items
Door Edge Guards. • Mudguards. • Predator Drop Step. • All-Weather Floor Liners. • Adaptive Cruise Control: Full-Speed Range Dynamic Radar Cruise Control (DRCC) • Emergency communication system: Safety Connect (up to 10-year trial subscription) • Proximity key: doors and push button start • Front tires: 265/65TR18.0 • Rear tires: 265/65TR18.0 • Wheel size: 18" • AM/FM radio: SiriusXM • Primary LCD size: 8.0" • Smart device integration: Apple CarPlay/Android Auto • Wireless phone connectivity: Bluetooth • Basic warranty: 36 months/36,000miles • Corrosion perforation warranty: 60 months/ unlimited distance • Maintenance warranty: 24 months/25,000miles • Powertrain warranty: 60 months/60,000miles • Roadside assistance coverage: 24 months/ unlimited distance • Front seats: bucket • Rear seats: split-bench • Rear seats Folding position: flip forward cushion/seatback • Seat Upholstery: cloth • Compressor: intercooled turbo • Cylinder configuration: I-4 • Drive type: four-wheel • Engine liters: 2.4L • Engine location: front • Fuel economy city: 19mpg • Fuel economy combined: 20mpg • Fuel economy highway: 23mpg • Fuel tank capacity: 18.2gal. • Horsepower: 278hp @ 6,000RPM • Hybrid traction battery type: none • Number of valves: 16 • Recommended fuel: Regular Unleaded • Standard fuel economy fuel type: gasoline • Torque: 317 lb.-ft. @ 1,700RPM • Transmission: 8 speed automatic • Ground clearance (max): 272mm (10.7") • Bumpers: body-color • Door mirrors: body-color • Hitch Class: IV • Left rear passenger door: conventional • Rear cargo: tailgate • Right rear passenger: conventional • Compression ratio: 11.00 to 1 • Curb weight: 2,075kg (4,575lbs) • Engine bore x stroke: 87.5mm x 99.5mm (3.44" x 3.92") • Engine displacement: 2.4 L • Engine torque: 317 lb.-ft. @ 1,700RPM • body width: 1,979mm (77.9") • height: 1,895mm (74.6") • length: 5,410mm (213.0") • Front headroom: 1,008mm (39.7") • Front hiproom: 1,443mm (56.8") • Front legroom: 1,062mm (41.8") • Front shoulder room: 1,481mm (58.3") • GVWR: 2,724kg (6,005lbs) • Payload: 649kg (1,430lbs)
The honest math
Up to $1,000 in conditional rebates — not in the price above
Each program has a requirement, and most shoppers qualify for none or one. Tap the ones that fit you and the price plus the deal builder below update instantly.
Nothing applied yet — the price above is what any buyer can get with no strings.
If a rebate requires financing through the manufacturer's lender, the rate usually costs more over the term than the rebate hands you. A Car Dog will run both numbers and tell you which one actually wins — free, before you sit down.
Price breakdown
Every dollar, itemized — the way it should be shown before you sit down.
- Offering price
- $46,609
- Cash price with dealer fees
- $46,727
- Government taxes & fees
- $4,740
- Estimated out-the-door
- $51,467
Any buyer, no strings
Includes $118 in doc + e-filing fees
Estimated for ZIP 92336
Cash, no add-ons, no trade
Estimate only — the dealer's worksheet is final. Change the ZIP to re-run the tax.
How we get to the offering price
Offering price — full cash price for this vehicle
Includes every dealer charge and any dealer-installed equipment already on the car, except the state-capped document and electronic filing fees itemized below. Excludes government taxes and fees. No financing, trade-in, add-on or membership is required to pay this price.
$46,609
Dealer fees — $118
Dealer document processing fee
Published by the selling dealer on this listing. California caps this fee. It is charged by the dealer, not by Car Dogs.
$85
Electronic filing / registration service fee
Published by the selling dealer for submitting your registration electronically to the DMV. It is not a government tax.
$33
Total dealer fees
$118
Government taxes and fees — $4,740
Estimated sales tax (8.75% for ZIP 92336)
$4,078
Registration, title and license (DMV estimate)
$662
Conditional rebates — up to $1,000 more, if you qualify
The dealer advertises these on top of the price, but each one has strings attached — financing through the manufacturer's lender, military service, a competing lease, and so on. We keep them out of the offering price so the number above is the one you can count on.
$500 Military Rebate
Expires Nov 02, 2026 — Qualify for $500 through the Military Rebate Program on the finance or lease of a select new Toyota. Military: $500 rebate offered by Toyota Motor Sales, U.S.A., Inc. and may be applied toward finance or lease contracts on new 2025 4runner, 2025 4runnerhybrid, 2025 bz4x, 2025 camry, 2025 corolla, 2025 corollacross, 2025 corollacrosshybrid, 2025 corollahatchback, 2025 corollahybrid, 2025 gr86, 2025 grandhighlander, 2025 grandhighlanderhybrid, 2025 grcorolla, 2025 grsupra, 2025 highlander, 2025 highlanderhybrid, 2025 landcruiser, 2025 mirai, 2025 prius, 2025 priuspluginhybrid, 2025 rav4, 2025 rav4hybrid, 2025 rav4pluginhybrid, 2025 sequoia, 2025 sienna, 2025 tacoma, 2025 tacomahybrid, 2025 toyotacrown, 2025 toyotacrownsignia, 2025 tundra, 2025 tundrahybrid, 2026 4runner, 2026 4runnerhybrid, 2026 bz, 2026 bzwoodland, 2026 camry, 2026 chr, 2026 corolla, 2026 corollacross, 2026 corollacrosshybrid, 2026 corollahatchback, 2026 corollahybrid, 2026 gr86, 2026 grandhighlander, 2026 grandhighlanderhybrid, 2026 grcorolla, 2026 grsupra, 2026 highlander, 2026 highlanderhybrid, 2026 landcruiser, 2026 mirai, 2026 prius, 2026 priuspluginhybrid, 2026 rav4, 2026 rav4pluginhybrid, 2026 sequoia, 2026 sienna, 2026 tacoma, 2026 tacomahybrid, 2026 toyotacrown, 2026 toyotacrownsignia, 2026 tundra, 2026 tundrahybrid, 2027 bz, 2027 bzwoodland, 2027 chr, 2027 corolla, 2027 corollahatchback, 2027 corollahybrid, 2027 gr86, 2027 landcruiser, 2027 prius, 2027 priuspluginhybrid, 2027 toyotacrown through participating Toyota Dealers and Toyota Financial Services, dated from 10-01-2026 through 11-02-2026. To qualify for the rebate, at the time of purchase or lease you must be (1) In current active duty status in the U.S. military (Navy, Army, Air Force, Marines, National Guard, Coast Guard and active Reserve) OR a U.S. military inactive reserve (i.e., Ready Reserve) that is part of the individual Ready Reserve, Selected Reserve and Inactive National Guard; OR a retiree of the U.S. military, OR a U.S. military veteran within two years of their discharge date; OR a spouse/ surviving spouse and dependents of an eligible U.S. Military personnel including Gold Star Family Members; AND (2) provide verifiable proof of military status or active service; or retired via an ID.me account and complete the verification process at a participating Toyota dealer; (3) receive credit approval from and execute a finance or lease contract through Toyota Financial Services at participating Toyota dealers.. Not all applicants will qualify. On lease contracts, rebate must be applied toward the Amount Due at Lease Signing or toward the Capitalized Cost Reduction. On finance contracts, rebate must be applied toward the Down Payment. Limit one rebate per finance or lease transaction per eligible U.S. military personnel or eligible household member. Offer not combinable with the College Rebate Program, and the Lease-End Refi Program. Vehicle must be taken out of dealer stock. Terms, conditions and restrictions apply. Program is not available in AL, FL, GA, HI, NC, and SC. Rebate terms may be more generous in your local area. Ask your participating dealer about the military rebate terms in your area. Must pay sales tax. Void where prohibited by law. Not redeemable for cash. ©2026 Toyota Financial Services. All rights reserved. <newline><newline>Toyota Financial Services is a service mark used by Toyota Motor Credit Corporation (TMCC). Retail installment accounts may be owned by TMCC or its securitization affiliates and lease accounts may be owned by Toyota Lease Trust (TLT) or its securitization affiliates. TMCC is the servicer for accounts owned by TMCC, TLT, and their securitization affiliates.
−$500
$500 College Rebate
Expires Nov 02, 2026 — Qualify for $500 through the College Rebate Program on the finance or lease of a select new Toyota. College: $500 College Rebate is available on all new and unlicensed 2025 4runner, 2025 4runnerhybrid, 2025 bz4x, 2025 camry, 2025 corolla, 2025 corollacross, 2025 corollacrosshybrid, 2025 corollahatchback, 2025 corollahybrid, 2025 gr86, 2025 grandhighlander, 2025 grandhighlanderhybrid, 2025 grcorolla, 2025 grsupra, 2025 highlander, 2025 highlanderhybrid, 2025 landcruiser, 2025 mirai, 2025 prius, 2025 priuspluginhybrid, 2025 rav4, 2025 rav4hybrid, 2025 rav4pluginhybrid, 2025 sequoia, 2025 sienna, 2025 tacoma, 2025 tacomahybrid, 2025 toyotacrown, 2025 toyotacrownsignia, 2025 tundra, 2025 tundrahybrid, 2026 4runner, 2026 4runnerhybrid, 2026 bz, 2026 bzwoodland, 2026 camry, 2026 chr, 2026 corolla, 2026 corollacross, 2026 corollacrosshybrid, 2026 corollahatchback, 2026 corollahybrid, 2026 gr86, 2026 grandhighlander, 2026 grandhighlanderhybrid, 2026 grcorolla, 2026 grsupra, 2026 highlander, 2026 highlanderhybrid, 2026 landcruiser, 2026 mirai, 2026 prius, 2026 priuspluginhybrid, 2026 rav4, 2026 rav4pluginhybrid, 2026 sequoia, 2026 sienna, 2026 tacoma, 2026 tacomahybrid, 2026 toyotacrown, 2026 toyotacrownsignia, 2026 tundra, 2026 tundrahybrid, 2027 bz, 2027 bzwoodland, 2027 chr, 2027 corolla, 2027 corollahatchback, 2027 corollahybrid, 2027 gr86, 2027 landcruiser, 2027 prius, 2027 priuspluginhybrid, 2027 toyotacrown. Toyota Certified Used Vehicles (TCUVs) and Scion Certified Pre-Owned Vehicles are not eligible for the Rebate Program. Subject to the foregoing limits and requirements below, the College Rebate Program are available upon credit approval from and execution of a finance or lease contract through Toyota Financial Services (TFS) at participating Toyota dealers. Not all applicants will qualify. To qualify for the College Rebate Program, customers must be Currently enrolled in a graduate degree program from an eligible school (as defined below), or enrolled in or be a graduate from an eligible school and provide proof of graduation (showing an upcoming graduation within six months OR a recent graduation within two calendar years from the date of signing your vehicle lease or finance contract) from one of the following eligible schools located in the 50 United States, Puerto Rico, or U.S. Virgin Islands: (a) an accredited four-year college, university or registered nursing program; OR (b) an accredited two-year college associate degree or an undergraduate academic degree as awarded by community colleges, junior colleges, technical colleges and universities; OR (c) an accredited graduate school. In all cases, the student will have two calendar years from receipt of their degree to take advantage of the program. Must provide proof of qualification via an ID.me account and complete the verification process at a participating Toyota dealer.. Must provide proof of qualification via an ID.me account and complete the verification process at a participating Toyota dealer. Eligible customers must also meet credit approval requirements and furnish proof of present or future employment (which will begin within 120 days of credit approval) when submitting credit application. Customer must also be approved for credit by, and finance the Vehicle through Toyota Financial Services (TFS) at participating Toyota dealers. During the last 24 months, all obligations on your credit report must have been paid within 60 days of the due date, and your credit report must not show more than $1,000 in total charge-offs. Rebate offered by Toyota Motor North America. Rebate will be applied on TFS lease agreements toward the amount due at lease signing or delivery or capitalized cost reduction or the down payment on TFS finance contracts. Limit one rebate per lease or finance transaction. Offer not combinable with the Military Rebate program, and the Lease-End Refi Program. Vehicle must be taken from dealer stock. Rebate valid on contracts executed between 10-01-2026 through 11-02-2026. College Programs are subject to change or termination at any time. Some restrictions apply. Programs are not available in AL, FL, GA, HI, NC, and SC. Rebate terms may be more generous in your local area. Ask your participating dealer about the college rebate terms in your area. See dealer for details. Must pay sales tax. Void where prohibited by law. Not redeemable for cash. ©2026 Toyota Financial Services. All rights reserved. <newline><newline>Toyota Financial Services is a service mark used by Toyota Motor Credit Corporation (TMCC). Retail installment accounts may be owned by TMCC or its securitization affiliates and lease accounts may be owned by Toyota Lease Trust (TLT) or its securitization affiliates. TMCC is the servicer for accounts owned by TMCC, TLT, and their securitization affiliates.
−$500
A Car Dog will tell you straight whether the financing rebate beats the rate you can get elsewhere — it often does not.
Optional add-ons — none required, none on this deal
You may decline every item below and still buy this vehicle at the offering price. None of them is a condition of purchase or of financing. The ranges are what dealers in this market usually ask, so you know the number before it lands on a worksheet.
This dealer publishes no dealer-installed accessories or added-equipment charges on this listing. If any appear on a worksheet, they were added after the fact — ask for them to be removed.
Paint & fabric / interior protection
Not on this deal. Typical dealer asking price $600–$1,800. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
—
Theft deterrent / VIN etch
Not on this deal. Typical dealer asking price $200–$1,000. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
—
Extended service contract (VSC)
Not on this deal. Typical dealer asking price $1,800–$4,000. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
—
GAP coverage
Not on this deal. Typical dealer asking price $400–$1,200. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
—
Tire & wheel protection
Not on this deal. Typical dealer asking price $700–$1,800. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
—
Key replacement
Not on this deal. Typical dealer asking price $300–$800. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
—
Appearance package (tint, ceramic, paint film)
Not on this deal. Typical dealer asking price $400–$2,500. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
—
What you should know
- Car Dogs is not the seller
- This vehicle is offered by our partner dealership. Car Dogs is an independent advocate and referral service. We do not sell, lease, finance or hold title to any vehicle, and we cannot approve credit. Every price, term and approval comes from the dealer or lender in writing.
- The offering price is the price
- The offering price is the full cash price for this vehicle, excluding only required government charges and the California-capped dealer document and electronic filing fees. Those two dealer fees are itemized in the breakdown and added into the cash price and out-the-door total shown here, so nothing appears later. The offering price is available to any consumer, whether you pay cash, bring your own financing, or finance through the dealer. It never depends on you buying an add-on, financing with a particular lender, or trading a vehicle in.
- Rebates you may or may not qualify for
- Factory incentives such as bonus cash for financing through the manufacturer's lender, military, first-responder, college-graduate, loyalty or competitive-owner programs are conditional. Because not every buyer qualifies, they are never folded into the price we advertise. We list each one separately with the manufacturer's own eligibility language so you can see what it would take to earn it, and what the car costs if you do not.
- No add-on is required
- Optional add-ons — service contracts, GAP, paint or fabric protection, VIN etching, theft or key packages, nitrogen tires — are not required to buy this vehicle or to qualify for financing. You cannot be charged for any add-on you did not agree to, and you may decline all of them and still buy at the offering price.
- Taxes and government fees are estimates
- Sales tax, registration, title and license amounts shown are estimates based on published California rates and the ZIP code entered. Your actual amounts depend on where the vehicle is registered, its weight and plate class, and DMV fees in effect at delivery.
- Payments shown are estimates, not offers of credit
- Any monthly payment figure on this site is an estimate for comparison only. It is not an offer of credit or a commitment to lend. Rate, term and approval are subject to lender underwriting and your credit.
- MSRP and discount comparisons
- MSRP is the manufacturer's suggested retail price and is only shown on new vehicles the factory sets it for. We never strike a list price through a used vehicle, and any "off MSRP" figure reflects a dealer discount available to every buyer — conditional factory rebates are excluded from it.
- Availability and accuracy
- Listings are synced from the dealer's own inventory feed and can change without notice. A vehicle may be sold, in transit, or repriced between syncs. We verify availability with the dealer before any introduction, and we will tell you if the car is gone.
- How Car Dogs gets paid
- You never pay Car Dogs. If you ask for an introduction and complete a purchase, the dealer pays us a flat referral fee. We are not paid more when you pay more, and no partner can buy a better placement, ranking or recommendation on this site.
Cost to finance this vehicle
The payment, the total you pay over the whole term, and the interest inside it.
Estimated monthly payment
$889
8.90% APR · 72-month term · $2,000 cash down. Estimate only, on approved credit. Your actual rate, term and payment depend on the lender's decision and are confirmed in your retail installment contract. Not an offer of credit.
Over 72 months you would pay $66,024 in total, including $14,557 of interest.
$889 a month × 72 months = $64,024 in payments, plus $2,000 paid up front, at 8.90% APR on $49,467 financed.
No trade-in, rebate or optional add-on is assumed here. Change the numbers to match the offer you were given, and a Car Dog will check the worksheet against it for free.
Build your deal
$777/mo est.
Loan term
Credit
Rate: 6.49% APR · based on SchoolsFirst FCU published rates
- Dealer offering price
- $46,609
- Document processing fee
- $85
- Electronic filing fee
- $35
- CA sales tax (est.)
- $3,619
- DMV registration & license (est.)
- $373
- Estimated out the door
- $50,721
- Less down payment
- −$4,500
- Amount financed
- $46,221
Rate and payment disclosures
- Estimate only. This is not an offer of credit, a pre-approval or a guarantee of any rate, term or payment. Car Dogs is not a lender and does not arrange financing.
- Excellent credit uses the lowest APR SchoolsFirst FCU publishes on its public rate page for a new vehicle at this term, checked automatically (rates effective 2026-10-04). Good, Fair and Rebuilding are Car Dogs estimates inside that lender's published range, which tops out at 18% APR.
- Factory offers come from manufacturer programs as listed by Car and Driver. They require excellent credit through the automaker's finance company, are limited to specific model years, trims and terms, often can't be combined with cash rebates, and end on the date shown.
- Your actual APR depends on your full credit history, income, the vehicle, the amount financed, the term and the lender. Lenders may charge a higher rate, and dealers may add a markup to the lender's buy rate. Always compare the APR on the signed retail installment contract.
- Payment includes estimated California sales tax for your ZIP, the $85 doc fee, the $35 electronic filing fee and an estimated DMV amount. It excludes optional add-ons, service contracts, GAP, trade-in payoff and rebates. Exact DMV fees and the out-the-door price are set in writing by the dealer.
Take it home
Want this vehicle?
Nicholas can confirm availability, run your numbers, and introduce you to the dealer on your terms.
Or build the whole deal yourself first — cash, finance or lease on this VIN, add-ons priced honestly.
Advice is always free. Partners pay us only if you choose an intro.
Watch this vehicle
We'll email you if the price on this one comes down or it sells — so you're not refreshing the page or wondering if you missed it.
Car Dogs is not the seller. Vehicles are offered by partner dealerships that pay us a flat referral fee only if you ask for an introduction and buy — never you, and never a share of your deal.
Build your deal
Build the whole deal on this 2026 Toyota Tacoma TRD Sport
Same desk the dealer uses, except the math is on your side. The price, MSRP and doc fee are already loaded from this listing. Change anything, price the add-ons, and see exactly where the payment lands before you sit in a chair. Nothing here is an offer of credit, and every number is confirmed by the dealer in writing.
How are you paying?
The vehicle
2026 Toyota Tacoma TRD Sport
VIN 3TMLB5JN3TM43A027 — this exact car, from the dealer's own listing. Nothing about it is assumed.
Your credit and your situation
None of this is stored. It is what lets us tell you which add-ons fit your life and which ones are being sold to you.
Picking a tier only suggests a rate — change it to whatever you were actually quoted.
Optional. Lets us tell you if the payment is a stretch.
Cash cushion and risk
This is what decides whether a service contract is protection or just margin.
Loan and equity shape
How exposed you are on the loan itself.
Driving and where it's parked
Tire, wheel, glass and dent products only make sense against real exposure.
Coverage you already have
So we can tell you what you'd be buying twice.
The numbers
Enter the numbers exactly as the dealer wrote them. We only use what you type — nothing is assumed or filled in for you.
California charges by value: about $662 on this price (registration $74, CHP $32, title $23, transportation fee $194, license fee $303, tire and district fees). Estimate only — trucks, vans and other commercial-plated vehicles pay a CVRA weight fee on top of this, so registration can run higher.
California caps this at $85, so it is one of the few lines that truly is not negotiable. An electronic filing fee around $33 is common on top of it.
Use your 10-day payoff from the lender.
Most finance contracts are written 45 days out. Those extra days of interest are spread into the payment.
Rebates you might qualify for
The dealer advertises these on top of the price, but each one has a condition attached — financing through the factory lender, military service, a competing lease. They are not in the price above. Switch on only the ones you actually qualify for and watch what happens.
None applied. Your deal is built on the $46,609 offering price — the number any buyer can pay with no conditions.
Protection products & add-ons
Check anything the dealer put on your worksheet and enter their price. Every one of these is optional and negotiable, and most can be cancelled later for a prorated refund.
The notes below come from your own answers in the credit section and the factory coverage still on the vehicle.
Pays for covered mechanical repairs after the factory warranty ends, minus your deductible.
- Worth it when:
- Turbocharged, European, or complex hybrid drivetrains, high-mileage used cars, and anyone who cannot absorb a surprise $3,000 repair.
- Watch for:
- Exclusionary coverage is better than a stated-component list. Confirm the administrator, the deductible, whether it is transferable and refundable, and that any licensed shop can perform the work.
- Typical asking price:
- $1,800 – $4,000. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
Only on the right terms: About 60 months of factory powertrain coverage is still ahead of you, so a big chunk of this contract overlaps coverage you already own. Ask what it adds beyond the factory term.
If the vehicle is totaled or stolen, GAP pays the difference between what insurance settles and what you still owe.
- Worth it when:
- Little or no money down, a term over 60 months, negative equity rolled in, or a model that depreciates quickly.
- Watch for:
- Your own insurer or credit union usually sells the same coverage for $300 or less. Confirm it covers your full deficiency including rolled-in negative equity.
- Typical asking price:
- $400 – $1,200. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
Fits your situation: With little down and no cushion for a shortfall, GAP is worth carrying.
Prepays scheduled oil changes, filters, and inspections at the dealer.
- Worth it when:
- Only when the price is less than what those same visits cost à la carte over the time you will keep the car.
- Watch for:
- Add up the covered visits at menu price first. Many plans expire on time as well as mileage, so low-mileage drivers lose visits they paid for.
- Typical asking price:
- $600 – $1,800. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
Repairs or replaces tires and wheels damaged by road hazards — potholes, nails, debris.
- Worth it when:
- Low-profile tires on 19-inch or larger wheels, and daily miles on the 15, 210 or 395 where debris is constant.
- Watch for:
- Check the per-claim and lifetime caps, whether it covers cosmetic curb rash, and whether it duplicates a tire road-hazard warranty you already get with the tires.
- Typical asking price:
- $700 – $1,800. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
Replaces and programs lost or damaged smart keys, often with lockout help.
- Worth it when:
- Vehicles whose keys cost $400 or more to replace, and households that lose keys.
- Watch for:
- Some credit cards and roadside programs already cover lockouts. Compare the plan cost to the price of one dealer key.
- Typical asking price:
- $300 – $800. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
A sealant and stain treatment plus a warranty covering specific paint and upholstery damage.
- Worth it when:
- Rarely. Kids and pets make the interior half of it the only defensible part.
- Watch for:
- This is one of the highest-margin items on the menu, and modern clear coats do not need it. The warranty usually excludes normal fading and wear.
- Typical asking price:
- $600 – $1,800. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
Paintless dent repair for door dings and small hail damage.
- Worth it when:
- Lease returns and anyone parking in shared lots daily.
- Watch for:
- Size limits are strict, and creased or repainted panels are excluded. Confirm how many repairs per year are allowed.
- Typical asking price:
- $400 – $1,200. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
Repairs chips and replaces cracked glass, often with no deductible.
- Worth it when:
- Vehicles with camera-based driver assistance, where a replacement plus recalibration can run over $1,500.
- Watch for:
- Your comprehensive insurance may already cover glass with a small deductible. Confirm recalibration is included.
- Typical asking price:
- $300 – $900. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
Etching or a tracking device, usually bundled with a benefit payment if the vehicle is stolen and not recovered.
- Worth it when:
- High-theft models in high-theft ZIP codes, and only at a modest price.
- Watch for:
- Never accept it as a pre-installed, non-negotiable line on the worksheet. Etch itself costs the dealer very little.
- Typical asking price:
- $200 – $1,000. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
Probably decline: Etch and decal packages are almost pure margin. Decline unless the payout benefit genuinely stands on its own.
Window tint, ceramic coating, or clear paint protection film installed by the dealer.
- Worth it when:
- Tint is genuinely useful in the Inland Empire and High Desert heat — the question is only price.
- Watch for:
- Price it against a good local tint or detail shop first. Dealer packages commonly run two to three times the independent price.
- Typical asking price:
- $400 – $2,500. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
Pays the loan, or the payments, if you die or become disabled during the finance term.
- Worth it when:
- Almost never as sold here. Term life and real disability coverage cost less and are not tied to one car loan.
- Watch for:
- It is optional by law, no matter how it is presented. Check the exclusions and the waiting period before you consider it.
- Typical asking price:
- $400 – $1,500. Optional and negotiable. Not required to buy this vehicle or to qualify for financing.
Probably decline: Almost always the worst value on the menu. Term life or disability coverage elsewhere costs a fraction of this.
Where this deal lands
9.00% APR · 60-month term. Estimate only, on approved credit. Your actual rate, term and payment depend on the lender's decision and are confirmed in your retail installment contract. Not an offer of credit.
Over 60 months you would pay $64,298 in total, including $12,674 of interest.
$1,072 a month × 60 months = $64,298 in payments, at 9.00% APR on $51,624 financed.
You left some lines blank, so we used typical numbers for them: sales tax 8.75%, DMV registration & title $662, term 60 months, APR 9.00%. Type the dealer's figures over them for an exact read.
Anything else we should know?
What the dealer said, what's on the worksheet that isn't above, what you're worried about.
The honest opinion
When the worksheet above matches what the dealer handed you, have a Car Dog read it. You'll get a verdict, what's fair, what's padded, which protections to keep, and the exact questions to ask.
Send this deal to Nicholas
We attach everything you built — the car, the numbers, the add-ons — so nobody asks you to start over. A Car Dog confirms the vehicle is still there and gets the dealer to put your numbers in writing.
$46,609
2026 Toyota Tacoma TRD Sport