[thamlin000]

I'm about to buy my first new car, a Toyota Tundra. Next month, I'll be graduation from college and starting a new construction-related job. I have been to the dealer, test-drove and picked out the options and colors. I have not started negotiations yet.

I will have no trade-in. I am selling my Z to use as a down payment.

My credit union approved a car loan at 3.69% for 5 years. I doubt the dealer could do better than this considering it is my first car and my age.

According to toyota.com , with the options I selected, MSRP is $26.6k. Invoice price from kbb.com is $23.8k. These trucks at the dealer are $27k-$29k.

I know that I should pay under MSRP, but how close to invoice should I expect to pay?

I need some tips since this is my first time buying a new car and I don't want to get screwed.

Thanks.