They wanted me to take 13.2% finacing, i laughed in his face,


Anyways the car came out to
5spd Flint Mica (great color)

$15,950
del,proc fee $565.00
there document fee $499
tax 1000+
+20 is some gas and bs charges

Came to $18,288.97 then he goes yeh the best interest rate right now is 13.2 i laughed soooo hard everyone in the dealer turned around... i mean 13.2 is pretty damn high dont you think? car is great but with 13.2 ha anyways, if you dont mind me asking for you people who already have your tc what % did u get im going to print this topic out and show it to them, say match it or no deal..

In my region the best apr for scion is 4.5. Did hee run your credit, or was that for excellent credit?

That was for a 600+ becan? score or however you spell it..


he said with a 700+ becan i will be paying 400+ for a 60 month loan 370+ for a 70 or 72 i forgot

I would check with your bank to see if you can finance through them. I'm sure your bank would have better rates then the dealership. Look into it dude, you'll be surprised if your rate gets cut in half. :D

I would check with your bank to see if you can finance through them. I'm sure your bank would have better rates then the dealership. Look into it dude, you'll be surprised if your rate gets cut in half. :D

Im going to see or im just going to be straight up and tell them. he showed us some bs in the big book, for 12.something% of course it was probably the worst bank in there..

Is there a credit union in your area? You can get the best rate around in your area if you go to a credit union.
Most all you have to do is open a free checking account to join.

He showed us the "Space coast credit union" book he had... it was weird they kept asking me if i was sure i didnt wanna trade my car in, im like nooooooo i dont wanna trade it in..

"Scion Solutions programs are not available through Toyota Financial Services in the zipcode (Palm Bay) you entered. For Scion financing information in your area, please visit"

GO here to recheck. Apparently some Gulf State TOyota dealers dont use TFS as their dealer financing source. Yeah, go to another bank.
http://www.scionsolutions.com/possess/buy_lease/retail_buy.jsp

^Thanks, i will see if they call me on saturday when i dont show up :lol:

Hey man,

Listen i live in Tampa, Florida. Do you know how far that is away from, your city. I have no idea when Precision Toyota, will be getting their tC. But hey listen when you do find out about this interest rate stuff, will you please message me or something. Let me know how far you are away, so incase you DO get the tC, maybe you can show me. :D :wink: THANKS!!

Hey take a trip to orlando they will have 10 by the end of this week if they dont already have them, im in central fla about 3 to 4 hours from you...

Hey man,

Listen i live in Tampa, Florida. Do you know how far that is away from, your city. I have no idea when Precision Toyota, will be getting their tC. But hey listen when you do find out about this interest rate stuff, will you please message me or something. Let me know how far you are away, so incase you DO get the tC, maybe you can show me. :D :wink: THANKS!!

lol 13.2.. i guess he gets commission from the financing part through toyota. I applied and approved by my local credit union at 3.79%... just waiting for my car to come in to the dealership then i just go pick it up.

Maybe your credit sucks. :?:

Hey take a trip to orlando they will have 10 by the end of this week if they dont already have them

That's cool... I live in Orlando so I hope to see them around here...

anybody going to the Full Sail University Test drive of the tC? today is the last day...

-Emo

Maybe your credit sucks. :?:
Yeah really. Considering what interest rates are at now, 13% is positively huge.

Tier 4 credit ( poor) is at %12.75 up to 60 months in PA.

That was for a 600+ becan? score or however you spell it..


he said with a 700+ becan i will be paying 400+ for a 60 month loan 370+ for a 70 or 72 i forgot

What was your exact beacon score? I will tell u what the interest rate is through Scion finance(SET Finance). PM me!

Thanks

Lloyd

Lendingtree.com

pmed you...

Okay Thanks,

I just found out that Precision Toyota have them, and the guy told me about the financing, and he said "it can be VERY low, it depends on your credit." So I dont know what to tell you. As far as the car, it is there but its a flint and its auto. I am waiting for the Black Manual thats coming next week.

The one here is also a flint in auto. I know it depends on your credit, but even at that is a 631 becan bad? is 700+ any different i know my dad has a high ___ becan score.... Oh hello daddy o :D :lol:

Okay Thanks,

I just found out that Precision Toyota have them, and the guy told me about the financing, and he said "it can be VERY low, it depends on your credit." So I dont know what to tell you. As far as the car, it is there but its a flint and its auto. I am waiting for the Black Manual thats coming next week.

PMed you back

The dealer can't mark up the rate. The rate is totally dependent on your score. Scores under 660 make for some VERY high rates. You'd be surprised though that TFS is MUCH lower for these high risk customers than places like Cap 1 and Americredit. Rates as high as 20% are not unheard of with low scores.

If you use a co-signer with a score over 700, they will use the higher score to determine credit tier. If your dad has a score over 700, you really need to use him as a cosigner. This isn't your dealer's fault. They are just going by the score they see and they should be happy to get you a lower rate with a cosigner.

actually, it wasnt even the dealer that gave u that rate. It's the bank they were trying to finance you through, who gave you that rate. Infact for a mid 600 beacon, 13% isnt even that bad.

Keep in mind, most major creditors wont even finance someone with a score lower than 640.

Also, the dealership gets the same amount of money, no matter if u finance, or pay cash. Only difference, is in one instance we get the check from you, in the other we receive a check from the bank. Either way, the profits from intrest rates, goto the bank financing you.

Im going to use my dad who is over 700+ Ive heard for a 720 its 5.14% from SET. so all is well

Just called our financial adviser my dads score went down to a 700... so i dunno i guess the tc aint for me! or atleast thats what i think god is trying to tell me....

I don't know the rates for your region, but here in VA, a score over 700 means 4.4% and 660 to 699 is 5.3% Things don't get ugly until you drop below 660.

I love you lloyld :D :D

Ahhh I love having an 800 beacon. Makes life sooooooooooo simple. 4.7 % plus 400 off with the college grad rebate.

I love you lloyld :D :D


Glad I could help!!!!! :D :D

wth is wrong with scion dealership lately
there is this bs fee (doc. fee for $500) and also super high financing % rate.

You aren't forced to finance thru Scion. Finance thru whatever you want. Try a credit union, bank, online, whatever.

Thanks to lloyld i got it pretty much straightend out with my dealer. So all is well.

Thanks to lloyld i got it pretty much straightend out with my dealer. So all is well.

That's good.

As for people who say dealers can't mark up finance rates.... hehehe don't be fooled, there are lots of shady dealerships out there who will use certain companies that will quote a very high APR and then give dealerships a big kickback.... There have been quite a few undercover reports about this out there.

With Scion Financing, if the dealership does not use the correct posted interest rate they will not fund the contract until the correct interest rate is used. They also have set it the all scion needing approval will first be sent to them before going to any other bank that the dealership uses. If Scion turns them down then, the dealership can try other banks, but Scion Finance gets first shot. If you use your sources for financing that is up to you. This is based what the lender(SET Finance) in the Southeast Region has stated to me.

!3.2 is actually not too bad. Here in Houston for someone with a 600 beacon our rate is 13.75. Your best bet would be to get a better rate from your bank or credit union. Or just get a loan online from e-loan.

Anyways the person i was dealing with at my dealership said it would be no problem to get me around 5 or 6 with a 700 score. so like i said all is well.....

Anyways the person i was dealing with at my dealership said it would be no problem to get me around 5 or 6 with a 700 score. so like i said all is well.....

Very glad to here it! When do you get your car?

Black 5spd is right around the corner gotta go give him $500 to order the car today... so this week sometime hopefully i will be pimpin in a tc.... :lol:


Anyways the person i was dealing with at my dealership said it would be no problem to get me around 5 or 6 with a 700 score. so like i said all is well.....

Very glad to here it! When do you get your car?

Black 5spd is right around the corner gotta go give him $500 to order the car today... so this week sometime hopefully i will be pimpin in a tc.... :lol:


Anyways the person i was dealing with at my dealership said it would be no problem to get me around 5 or 6 with a 700 score. so like i said all is well.....

Very glad to here it! When do you get your car?


Don't forget to post pixs! :D :D :D :D

dude which place did you go, melbourne or orlando?

i think i need go to orlando and check out their extra services 8)

Orlando has a lot from what i hear so check them out....

dude which place did you go, melbourne or orlando?

i think i need go to orlando and check out their extra services 8)

I will most defiantly post pics! when i get them.... Later "K"