DO NOT BUY THIS 2012 USED VEHICLE WHEN YOU CAN BUY A NEW ONE CHEAPER.
The $7500 discount matches what a new 2013 would have. Since you claim that you don't qualify for any tax credit (you don't work, or pay ANY federal tax???), then new or used won't matter. Please don't confuse the Toyota $7500 discount with the federal tax CREDIT of $7500.
In addition, I don't see ANY discount from the dealer in this. I expect a scam dealer like this has even more surprises... maybe "mandatory" security system, etc.
Regardless, YOU WILL NOT GET $2500 from the state of California for a used car.
Plus, that warranty price is nothing but robbery. Your car is covered under warranty. If you decide you need to extend it, BUY IT JUST BEFORE YOUR CURRENT ONE EXPIRES for half that price from ANY dealer.
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Leasing a new 2013 Rav4 EV might be smarter, assuming you really have ZERO federal tax liability, plus you will still get $2500 state money. You won't need an extended warranty on a lease, of course, but I'm sure a dealership will try and sell you one!!! They will take as much of your money as you give them.
The only variable is how many miles you drive. If it is below the lease miles (which I think is only about 10,000 miles/year), you're in great shape.
I'll be curious to see how you would qualify for a lease with no taxable income (maybe tax free disability income?).
