Shopping for a LC in the Seattle area

basicxj · May 7, 2026

Sometimes the numbers (at a given moment) don't make sense. Best to stay above water, and pull the trigger when it isn't a hard decision to make.

lc_florida · May 7, 2026

David Cole said:
Update: Toyota Financial Services just quoted me an 8.99% APR on a certified used LC 1958 for sale down in the Portland area, and my 9.7% sales tax rate up here in WA isn't doing me any favors (the price we pay for having no state income tax). That would push my monthly payment into pretty uncomfortable territory, and I'm not sure if I'd do much better going through a credit union.

I've pretty much decided to postpone my LC purchase for another 1.5 years, and a new LCLC+Premium will hopefully be my reward for paying off most of my credit cards sometime in late 2027. Maybe the 2028 model year will introduce a REEV or PHEV version with those solid-state batteries Toyota keeps talking about. A guy can dream a little.

Don’t buy a 60k vehicle if you have any credit card debt. LCs are incredible machines but it’s not worth the financial stress.

Esquire · May 7, 2026

lc_florida said:
Don’t buy a 60k vehicle if you have any credit card debt. LCs are incredible machines but it’s not worth the financial stress.

Don't carry any credit card debt. You will never, ever find a legitimate investment that pays you even remotely close to the non-usury controlled interest you pay on CC debt.

The same goes for auto loans and home loans. But that's another topic of discussion.