I've been wondering about that for awhile. Lowest possible rate? Let's say if I have a 780 credit score


Thank you!

 

When my dad helped me get my 2010 tC the dealer said the lowest they could give us was 6% on a Scion. They said if we bought a Toyota we could get any of them for 0%. They said 6% on a Scion was the lowest they could give anyone, not sure what my dads credit score was though.

 

I got my 2011 TC for 21.5k out the door 10k down 3.7% apr 210 a month 60 months and my credit is 730 but only from credit cards I am a new car buyer
in comparison I was going to get a 2006 RSX-S from Honda and my apr was 17% if you are a new car buyer buy a new car used cars have higher aprs

 

Well are you wanting used or new? I bought mine brand new and got a 4.28 apr with 1500 down. Btw put more money down then that!

 

This month the APR is 3.14% for a tier 1+ credit

 

I got mine for 2.7

 

someone's losing inventory...

 

best way to get a good low APR is go through a credit union or bank. they can usually get you a much lower rate than the dealerships

 

^^much lower than 3.14%? even the 2.7% that tankedpilot posted is less than $2 per month difference... why go through the hassle of trying to get approved at a bank and having all the extra paperwork for such a small difference?

 

around here interest rates at banks have been 2.25% on car loans. id kill to have that rate on my tc. dealership lowest they were gonna give me (june2007) was 7.6 so i went to a credit union and got one for 5.25...i got screwed cuz rates were high then even with a high credit rating.

 

i wish i had yalls!! i got 22k out the door with 2k down 400/month and apr is 8.6.
but i also bought my car 6 month after my 19th birthday and my credit score was 660 from credit cards. and it was my first time buying a new car

 

it also doesnt help when you are only putting down $2k on a $22k car. leaves a lot of room that has the potential to not be paid back.

Ted is right though, the difference of 2% to 3% is pennies a day when you do out the math. Its cheaper than sponsoring a child in africa haha

 

Your credit score will dictate the APR options available to you. Scion will write paper for people that basically can fog a mirror though.

 

3.2% for 60 months is what I got through Toyota Financial about 2.5 weeks ago..

 

Same for me!

 

I got mine for 0%.....because I payed it all off the day I bought it

 

i got mine for 3.4%. first time buying a car through financing, i put 1,000 down and got 3,200 trade for my truck

 

Got a loan from my credit union for 3.4% but they just started a 2.5% special so I will be going back to get it switched to that. Hopefully they let me. I'll have to lay my sweet-talk to the loan lady.

 

first car without cosigner, 645 credit score, 3.4% apr with zero down. not sure how, but i wasnt complaining

 

4.5% for a 72 month loan in Rochester, NY and my Credit is stellar. 3.5 for 60, 2.5 for 48.