FJs have one of the highest resale values of any vehicle on the road. Might be able to squeeze some more money out of another dealer. I agree with the others, the interest rate is high. That's a typical interest rate probably for someone that has low 600's. The price isn't bad, but I paid like 2k more for a screw, with less miles (same year). You will see that dealers will only budge a few hundred off their list price. Be willing to drive, and shop around. I agree with taking off whatever mods are easy, and replacing with stock (the FJ forums I'm sure have stock parts for cheap). It'll be worth it in the end, as the dealer doesn't give a shit about your mods and won't pay you for them.