Pre-arrange financing through credit union (often beats dealer rates)
Confirm warranty status and any remaining factory coverage
§ 03 · Market Pricing
4WD · UNDER 50K MI · MAY 2026
2020$28,000 – $36,000GOODBest value at budget2021$30,000 – $38,000GOODSweet spot2022$32,000 – $40,000TIGHTLower trims fit budget2023$34,000 – $42,000STRETCHStretch — higher mileage only
Sweet spot: 2020–2021 SR5 / TRD Off-Road at $30–34k with under 45k miles. That's where the budget-to-criteria ratio peaks.