Base: $16,465
Doc: $50.00
Tax: $1.279.91
County tax: 15.00
Transfer plates: $80
Total: $17,889
Down: $1500
Adjusted Total: $17,389
Monthy $315 @4.40 apr

does this sound right? i supposedly get my car in about 2 months. grr can't wait for my SW 5-spd. bone stock baby!!

 

when i was finalizing things with my buy there was one thing that boosted the price up and i believe it was "gap insurance"... check ur numbers against the calculator on the scion site to be sure... or go to the dealer

 

Hmm, dont forget the 500 or 600 delivery fee. that's standard and no way to get around that. The 50 you charged yourself is a "doc" fee, which is another word for "pure profit," so that fluctuates dealer to dealer. But overall your base msrp will start at 17k + dealer fees + tax/tag/title.

 

The base price includes the delivery fee. While the $50 doc fee may or may not be pure profit, $50 is on the low end of what's charged for doc fees and I'd pay that in a heartbeat. I payed $125-ish for mine. Be glad you don't live in the southeast region where a $500 doc fee is standard.


So base will start at 16465. I haven't seen a tc without floor mats for an additional $140 though.

 

Oh, and good luck getting 4.4% apr. Where are you getting that figure?

 

he may be pre-approved via a bank or credit union ... or a number of other options than can presumably provide interest rates as low as 2% depending on where you are in the country or even lower if you have good connections. Perhaps he's getting a loan from a family member or friend and that's the interest rate they've agreed upon What's the lowest Toyota Financial will go ... 4.5? That's not too different than the 4.4% he used, and that's not hard to get with excellent credit. Or maybe I'm wrong, maybe he pulled the number out of his/her ___. Either way, I don't know where he got it and I'm not going to assume that I do. And you shouldn't assume that he can't get it.

Damn I love how rude car forum members are this place is worse than Neons.org and anyone who's been there for even a couple of days will know that's saying A LOT.

 

700+ credit rating = 4.4% apr

 

First off, I'm not being rude. Apologies if it came off that way, but sometimes you just gotta take a post at face value. "Good luck getting 4.4%.." - I don't know how wishing him luck comes off as rude! And I'm certainly not assuming he can't get it either. The national average for top tier credit is just above 5% for 48 month loans, and toyota is only offering 4.8%.

2%? Yeah, you can get a 2% rate through some of the domestic maker's own finance programs, but a bank (or even a credit union) isn't going to offer you that rate, and toyota won't either. TFS's top rate is 4.8%.

You'll see some internet loan companies (eloan, capital one) offering really cheap rates like 4.25 or 4.5, but as far as I can tell, they are BS. I applied through eloan before I applied to TFS, and eloan offered me 14.99% APR. For a 715 equifiax FICO score. Maybe you need an 850, I don't know, but they certainly don't give those rates very often.

But back to my first post...I just sincerely was interested in where's he getting a 4.4% rate.

 

There were couple of threads on APR. I got 4.09% for 60 months from Chase Manhattan, FICO is around 750, maybe a bit more, so 4.4% is nothing weird. 2.x would be, cause there are savings account that pay that much, so the bank would not be making any money...

 

Yeah, but when did you get that rate? Rates are up significantly since even your join date.

 

I got my loan on 7/21/04 - the best my credit union could do was 4.74 (that's with their discount for having 2 car loans simultaneously), so the dealer promised to beat them and did an ok job with 4.09% and Chase.

 

the dealer gave me that rate. and it was rated a 700+ credit. btw it's not under my name.