I would love to get a new xB, but I am not the worlds greatest millionaire. Just enough to make by for now. How much is everyones payments? I know the scion website has a finance area, but it doesnt let you type in your down payment amount. I am hoping to get around 3k (trade in) for my current car plus about another 2 in cash down.. . .

what all does everyone pay? :-/

mine a big fat 0 cuz its paided for lol i know im a smarta-- ok well i dunno someone will reply and help u lol

$290 a month with HORRIBLE credit thanks to the oursourcing of America.

Interest rate is somewhere areound 8%.

Hope this helps.

well with zero down , and 110% financed with the "excellent" credit it costs me 316 a month including , gap insurance , extended warranty and tax and license.

i wont get my xb til next week but im lookin at, with nothing down and $3600 owed on my focus about $310 a month

mike

$0 Down $300 a month

Auto, w/ optional leather & floor mats

Peace

-THE DON

0 down, no trade in, plus extended warranty and I pay $340 a month.

Zach

BIG FAT ZERO :D :D , yes i got my title 2 weeks ago!
before that 0 down $340mo.??

i got mine for 0 down and 330/month with extended warrenty and GAP protection

how do people pay off cars ion like a year or less? i mean i would assume people woudl either finance for the length of the contract or just write a check up front.

how do people pay off cars ion like a year or less? i mean i would assume people woudl either finance for the length of the contract or just write a check up front.

Well, mine will be paid off this year... My payment is $300, but I pay about $1000 a month... I had to finance cuz I didn't have $18,000 up front, but I could never set up a finance plan with a $1000 a month payment! Even though I can afford it, that would be cutting it close.

Also, I can take a month off and pay my regular $300, and spend $600 on mods :D

Peace

-THE DON

MUST be nice. i wish i made good money or hell money at all. not having a job blows arse .

$246.00 a month with excellent credit and $3000 dollars of upgrades from the dealer. Financed for 5 years @ 4 % . Put $6400. down payment.

$31.00 per week at 3.45% for 60 months.

Usually your rates are way better through a Credit Union. Become a member, if you can.

Sold my old car for $7000, down payment of $5000. My monthly payments came out to $225 per month @ 4.6% apr.

The other $2000 is for modding :D

$341.00 a month for 60 months, with $0 down at 4% interest at my credit union. Its an Auto with Intake, TYD lights, floor mats, blue interior lights, and 7yr/100,000 warrantly

Seems like the trend is $340 for 60 months with zero down.

I put down $2600 and I'm paying $220 for 60 months @ 4% interest. With your trade in, you should be able to afford one because I'm sure the insurance is cheaper on an xB than a Focus ZX2.

with $3500 down my payments are $278 a month with xcellent credit thats also with financing the trd suspension foglights and spoiler

i dont recall all the details(i just wanted the car) with a 6,000$ trade-in my payments a low 200's
And i have the worst credit EVER!

$290 a month with HORRIBLE credit thanks to the oursourcing of America.

Interest rate is somewhere areound 8%.

Hope this helps.


Don't be a hypocrit. The scion is also a part of this "outsourcing." If you're so disenfranchised, dont buy a japanese made vehicle.

Oh yeah, to stay on topic, don't purchase dealer-made products (i.e pedals, cargo covers, rim packages etc) because will only increase the ammount of your montly payment. But who knows, maybe it IS possible to get a good deal on a set of rims/tires through your dealership, with a warranty maybe too.

$7500 down...4.1% from TMC... and $196 pmt.

I put $9,000 down and have payments of $177 a month. Not too bad...

I put $2,500 down and pay $252 with 4.25%. The only option I added was an automatic tranny.

I bought mine with $500 down and NO credit. Bought stock with only Security System on payment. Pay $360 a month at 13.75%

I have messed up credit right now due to a recent divorce. I purchased my box with $7k down and payments of $235 a month. My interest rate given by toyota finance is 13.50%. I financed in the security system and door sill enhancements. The price of the box reflected the $120 floor mats that came with it.

ouch , that sucks bro , at least yer rockin a stylish new reliable car tho eh?

I had just got divorced and had a bankrupsy so I got bent over the table. 19% with $1000 trade in for 60 mo. I pay $480 mo. Sure sucks starting over!

yeah , at least this will build you right back up.

Not a divorce, but I had a coke head room mate that
left me with lots of bills.

I'm going to have to deal with 12%, but like they say,
proving yourself with a car payment will help get your credit
back on track.

Think of it this way, you are getting a fun, reliable, and
warrantied box for not a terrible lot of money, and getting
your credit on track all in one!

At least that's what I keep telling myself. :)

CkretAjint, I remember your username from Team ZX2...many moons ago. I had an S/R for about a year.

Anyhoo, with $500 down I am paying $316.70/month for my manual xB with fog lights, floor mats, 7yr/100,00 mile warranty and GAP insurance. 8)

I just did a break down as to what I'm looking at right now. I really don't want an
automatic, but that's what they have on the lot.

BOP - Automatic 14995
Panoramic Moon 1800
6yr/100,000 1000
-------------------------
------------------17795
Tax 1,201
Title and Licence 267
-------------------------
Total------------19263

$4500 Down at 12.5% Toyota Financing For 60 Months = 332.13

332.13 X 60 = 19927.80

So my interest is 3885.20

Ouch.

$5,000 down using home equity loan on my auto xB. (interest tax deductible)
I've paid back a grand of that so far. Will pay remainder off this year.

Financed around $11,000 through Toyota Fin.

Payment $202.58. :D

I'll make extra payments and I will pay off in total in 3-4 years.

I'm paying $260/mo, actually, $180 every 2 weeks with the... is it called the smart loan? Auto with foglights and cruise, + 1800 that I owed on my trade in, - $5000 down, + 1000 MMP @ 5.1% through Toyota financing.

Also, if you go to scion.com, and build your Scion, there's a box on the left, under "Your Monthly Payment" that says "Customize Payment Terms". Click on it and you can adjust APR, trade in value, sale price, down payment, and finance terms.

with upside down because i traded in a 03 golf ....my payments came out to 327 sumthin....

for 60 moths that 5 years.

my is for 72 moths (6 years) with upside down of $7000 and $1500 downpayment with cruise control, mats, cheap but nice rims ($600) and GAP and extended warrenty (6 years/100k miles) i pay $397 a month!!!
and interest rate is 5.99% (not too bad)

I paid 14995-400 so 14595 for mine...

0 down
3.9% apr
72 months

= $237 a month...

Pretty reasonable if you ask me!

$1025 down

$285/mo 60mos. 6.15%

:pray: i did a little of this and :tap: some o this and what u know i got the car.. i put 800 down apr% is 4.somthing fixed at 72 monthes for a cool $285 god its cheeper to own this car then to try to get my own place... :pray: so i am still doing a little of this for now....

0 down, stock xB + six disc changer, 60 months, $306 a month. 6.9% APR, mediocre credit (Scion considers it "good" on their website)

For what its worth my Scion dealer got me the best rate by far. Banks wanted to charge me from 10 to 15% APR, I was shocked when the dealer came back with that deal, and gladyly snapped it up :)

I financed $14,500 that was after down payment. Financed with my bank at 3.9% for 5 years and only pay $250.00 a month. All on my own. No parents help.

0 down , only option was floor mats on manual xb , after tax , license , extended warranty and gap insurance it was 16,200 , so my monthly is 316 at the excellent credit rating. this is for 60 months

right after christmas our credit was pretty bad., just got ours, 15300 financed with a poor credit at 13% for 340 a month. gonna refi in about 3 months. it sucks for now but we knew it was a good decision in the long run

What is gap insurance and what is it for?

Bought mine, co-sign (goodcredit) so got the 4.?% w/ 1500 down, but also got the extended warrenty, floormats, no extras..... $276/mo

i must say that becoming a member at a credit union is a good choice the always have better rates for new vehicles.

i got mine at $2250 down 5 year 4.95% APR. with gap insurance i pay $253.90 a month.

What is gap insurance and what is it for?
If you're involved in an auto accident that leaves your new car "totalled", (we all hope this never happens,) you could end up paying off a loan on a car that you can't even drive.

That's where gap insurance comes in.
A gap car insurance policy insures you for the difference between what you owe on your car and what your insurance company says it's worth.

Yeah, GAP is even more of a gamble then regular insurance.

Using my example above, my interest is $3885 and the
minute I drive the box off the lot it's gone from $19,500
to $15,000. So if I were to get in a "total" accident in
the first week, I'd have to pay off the $3880 plus the
difference of $4500 of the "used" price. The GAP would
cover all that difference that insurance wouldn't cover.

:pray: this is the way to solve this prob.... :pray: :pray: :pray: and be as carful as u can... dang peeps always trying any way to squeez a little more mony out of u.. IMO... but i think "Gap" is realy nice but there in lise the mistry will you or will u not u never know and its all up to you.. in my case i did not.... :pray: :pray: and i hope i never need to regret i did not get it.... the "gap" that is

Yeah, I'm going to do without. I've been in two serious
accidents in 16 years I've been driving. (the second one
was two weeks ago and why I'm shopping for a box). Both
times were other peoples fault, and they only hit me because
I didn't have time enough to dodge them.

For those that are in high risk areas, GAP could save you
thousands.

ill be paying cash for mine this weekend :)

I pay $220 a month. 110% Financed.

$198/mth with $7k down(5k cash and 2k trade in)....

When my dad bought a new car from Ford they told him that he needed GAP insurance. When my dad took the car to the insurance company and ask them about GAP they said that was a bunch of BULL. The insurance company said you have an insurance policy with us on your last car so you will be insured from the minute you drive off that dealership.

ill be paying cash for mine this weekend :)
cash? damn RICH!!!!

Here goes-

$2000 Down, no trade (Who would have thought the dealer wouldn't want a suede black '64 Olds Lead Sled?), + TTL and the Platinum 6yr/100,000 warranty......@ 6.35%.......$355 a month .....for 4 years. 8)

Yeah, I'm going to do without. I've been in two serious
accidents in 16 years I've been driving. (the second one
was two weeks ago and why I'm shopping for a box). Both
times were other peoples fault, and they only hit me because
I didn't have time enough to dodge them.

For those that are in high risk areas, GAP could save you
thousands.

From the heart, I would suggest that you reconsider going without GAP insurance. I'm sure that it varies in cost slightly, but mine was a one time fee of $120. It's well worth the peace of mind. I work in the collision industry and have seen MANY people get caught without GAP. I've seen people literally cry when they find out the difference that they owe. Not pretty at all.

Just a friendly word, from one car guy to another.

Paid $15050 for my box, had $2000 down payment. Financed with TFS @4.5% for 5yrs. payment of $251/mo.

Got the "gap" with my insurance company.

no cash down payments 305.00 a month!
edit: with like 3-4% interest, at a special bank for employees of Pratt & Whitney

Sold my 64' Chevy Impala (Jet black and fully restored) right before purchasing my two 2005 xB's (One BSP, two PW) and my 2005 tC (FM). The money I got of the Impala bought all three and I had around 10k left over. I had the Impala for over 10 years so it was time to give it up, plus now I have an everyday xB and one that is going through a bada-- transformation. Lets just say it already has Lambo doors.

147 amonth for 4 years

12,000 down

I bought mine with $500 down and NO credit. Bought stock with only Security System on payment. Pay $360 a month at 13.75%
OUCH! Sorry to hear that bro.

I just wrote a check for 1000$ down, no trade in, 72mo @ 317 per month. I got gap, extended warrenty, oli changes, tune ups, cargo cover, arm rest, bla bla bla @ 4.5% though a credit union.

My car was a showroom floor one, in the tuner shop. Guess I should have put more down, but I wanted to have wheel money, which I got some already and some other mods.

I paid $17,049 for my xB Paid in full. No payments. I buy my cars/trucks through my company so I can get them off my income tax.