Transparency Verdict
Pat Lobb Toyota of Mckinney earns a B.
Mostly honest. Stay alert.
Fair on the big stuff, but there are small things to watch. Read the out-the-door carefully before you sign.
Strong confidence — based on 38 verified out-the-door quotes and 8 tracked negotiations · McKinney, TX
Collected Aug 1, 2025 – Sep 8, 2026 · Updated Oct 6, 2026
The full story
Why Pat Lobb Toyota of Mckinney earned this grade
Between August 2025 and September 2026, CarEdge negotiated or logged 38 verified deals with this dealership. We pulled the doc fee, the add-ons, and the gap between advertised and out-the-door price from each one. Then we graded them the way a friend in the business would: on the things that actually cost you money.
✓ What they do well
2 thingsThe price you see is the price you get
Their quoted selling price almost exactly matches the advertised listing price. No mystery markup, no surprise "market adjustment."
Shoppers who negotiated saved real money
Across 8 back-and-forth negotiations we tracked here, buyers saved an average of $1,744 from first quote to final. That tells you their opening number has room.
TipNever take the first quote. Their floor is lower than what they offer on day one.
! Where to push back
2 thingsDoc fee exceeds the state cap
Their typical doc fee of $230 is above TX's legal cap of $225. This is a red flag — every dealer in the state must stay at or below this number.
TipTell them you expect the doc fee at $225 or lower. It's not optional; it's the law.
Mandatory add-ons show up on most deals
45% of quotes include add-ons presented as non-negotiable. Across all recent quotes, add-ons average $669. Expect them to try to include something — paint protection, nitrogen-filled tires, VIN etching.
TipAsk which items are genuinely required and which are dealer-added. Anything not required by the manufacturer or the state is worth pushing on.
38 verified OTD quotes from Pat Lobb Toyota of Mckinney
Real out-the-door worksheets, not reviews. Click “View Quote” on any row to see the price breakdown.
Recent Quotes
Verified out-the-door prices from real transactions
25 vehicle transactions — 38 individual quotes
Most Common Add-ons
At a Glance
Tips for Pat Lobb Toyota of Mckinney
- Expect ~$669 in add-ons. Items like "dealer accessories," paint protection, and theft deterrent are typically negotiable.
- Doc fee ($230) is at or below TX average. One less thing to negotiate.
- Dealer markup is about 1% below listing (excluding taxes). This dealer keeps fees very low.
- 38 quotes analyzed. This score is based on solid data.
Keep researching
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On the lot right now
Separate from the grade above — this is what's currently listed. Useful for spotting aging stock with room to negotiate.
Current Inventory
View all 662 vehicles →$43,111
Median Price
15
Median Days Listed
127
Added This Week
Days on Market
How long vehicles have been listed. Older stock means more room to negotiate.
Nearby Rated Dealers
These dealers near McKinney have transparency scores based on verified pricing data.
Frequently Asked Questions
What fees does Pat Lobb Toyota of Mckinney charge?
Based on 38 verified out-the-door quotes collected by CarEdge, Pat Lobb Toyota of Mckinney charges a $230 documentation fee and averages $669 in dealer add-ons when present. Pat Lobb Toyota of Mckinney earns Transparency Grade B (84/100).
What is Pat Lobb Toyota of Mckinney's doc fee?
Pat Lobb Toyota of Mckinney charges a typical documentation fee of $230. The TX average is $239. This is based on 38 verified OTD quotes in our database.
Does Pat Lobb Toyota of Mckinney add mandatory add-ons?
Pat Lobb Toyota of Mckinney adds an average of $669 in dealer add-ons when present. Ask for an itemized breakdown and negotiate to remove non-essential items like paint protection, nitrogen tire fill, or VIN etching.
Is Pat Lobb Toyota of Mckinney a good dealer?
Pat Lobb Toyota of Mckinney has a transparency score of 84/100, earning a Grade B. This score is based on their doc fees, add-on behavior, dealer markup, and data quality from 38 verified OTD quotes. This is a well-above-average score, indicating transparent pricing practices.
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How we know this
Every number on this page came from a real deal.
Most dealer review sites scrape star ratings and count angry posts. We do the opposite. CarEdge shops for cars alongside thousands of real buyers every week — and when we negotiate on their behalf, we capture the full out-the-door breakdown the dealer sends back.
For Pat Lobb Toyota of Mckinney in McKinney, TX, that has meant 38 verified OTD quotes across 8 negotiated deals logged into our database. Each one is a PDF, an email, or a screenshot showing the actual doc fee, the actual add-ons, and the actual final price — not a salesperson's promise.
Fee Transparency
30%Is the doc fee reasonable, or is it just profit? We compare it against the state average — and the legal cap, where one exists.
Add-on Behavior
30%How often does the dealer stick you with mandatory add-ons like paint protection or theft deterrent — the kind you can't say no to? Add-ons the dealer discloses as optional don't count against them.
Price Accuracy
30%Does the advertised listing price match what you'd actually sign for? We flag dealers whose out-the-door diverges from the listing.
Data Quality
10%More data = more trustworthy grade. Dealers with lots of recent, complete quotes score higher for consistency.
The four numbers behind the grade
Weighted ScoreThe raw component scores — the math that led to B.
Doc Fee Comparison
Pulled 38 quote records · Grades update as new data comes in · Dealers cannot pay to change their score.
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