History: The last few vehicles I have owned I've leased. Some people say its a waste, but its nice to not have to worry about repairs and always have a newer vehicle. I started a new job last year that I drive much more. At this point leasing really isn't an option. My last job I was able to take my company truck home on the weekends so transporting my bike wasn't a problem. I currently have a leased Silverado but I was able to keep the miles down before. As the lease comes to and end I am looking to buy a pickup. My new job pays well but I am currently trying to pay off my debt so I can buy a house in the next year or 2. This means I do not have much in savings so I will need to finance pretty much 100% of the vehicle. I also need something I can put miles on with minimal issues. With work and riding I figure about 20k a year. Truck must at least be a v6 so I can tow a small 6x12 trailer from time to time. I AM TRYING TO NOT BE PAYMENT FOCUSED but the lower the better even if it means a longer term. Once I buy a house in the near future the plan is to get a moto van or maybe a commuter car. I would like to have a sub $400/month payment. The lower the better.
2004-2006 Toyota tundra. I can find them in my area around 100k miles for round 10k. Problem is interest rates suck on a 12 year old vehicle plus most banks only offer 36m financing. not a big deal if its a decent interest rate but don't want a 400/dollar a month payment on such an old vehicle.
2006 and up Tacoma. Same issue with financing unless I get into a newer one. I can find a 2012-2015 for low 20s. Much more cost but I can find one with lower miles and plus get a better interest rate. The interiors are nicer then the 06-11 but basically the same truck. Anything under a 2010 and I still run into the financing issue. Payment will probably be around or a bit more then my $400 dollar budget.
2012 and up Nissan frontier. I can find these only a few years for under 20k and with low miles. Seem to be cheaper then the tacomas but the Nissan is very very dated and gets worse fuel economy. They seem to be pretty reliable though.
HD trucks. Coming from A construction sales back round, many of my customers swear by 2002-2006 chevy 2500hd and the ford f250s from the same era. Same issue with financing plus terrible fuel economy. Would consider a diesel for the better fuel economy but get nervous about repairs.