I have been looking into a few things befor moving forward in the buying process. I wantr to know did it take you guys 3 to 5 days before you find out what your F rate and payments are? I submitted an app and still can't get word. They said that Toyota financing hasn't turn in any results. And They still have to figure out what programs or rates Scion is doing. They know my payoff, what model and options, and my beacon score so why is it taking this long? I am below 600 but over 400 on the beacon scores, I would like to know is it 11 % with payments in the high 2s or even into the threes. California more than anywhere else, please help and reply. Thank you.

I hate to be the one to burst your bubble, but @ 11%, your payments are already at $326.14 for 60 months, and that is a bare bones xb at 15K.

you'd need to be in the 8% range to have a payment in the high 2's

I don't know who to believe now, I went to another Scion dealership and they told me that they are able to run everything in the computer and give me an answer right there and then. The other dealership is not responding because they are still setting up the financing options. Which to believe? What to do?

go to edmunds and run the financial part, it has credit scores and what they are in you area. Pending on your numbers, it will determine your rate. It's all about the numbers man. Have at least all the credit companies scores and shop around. Go to a credit bank.

Well I am on my way, and no longer need financing from dealer. I will get my Scion now. Hopefully I can take delivery by the Third. :D