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Finance Rates
Toyota Financial Services
| Item |
Description |
Rate |
| Zone 1+ (FICO 720+) |
60 Months |
4.25% |
| Zone 1+ (FICO 720+) |
63 Months |
4.25% |
| Zone 1+ (FICO 720+) |
66 Months |
4.55% |
| Zone 1+ (FICO 720+) |
72 Months |
4.75% |
| Zone 1+ (FICO 720+) |
75 Months |
5.25% |
| Zone 1+ (FICO 720+) |
84 Months |
6.25% |
| Zone 1 (FICO 719 - 690) |
60 Months |
4.60% |
| Zone 1 (FICO 719 - 690) |
63 Months |
4.60% |
| Zone 1 (FICO 719 - 690) |
66 Months |
5.00% |
| Zone 1 (FICO 719 - 690) |
72 Months |
5.35% |
| Zone 1 (FICO 719 - 690) |
75 Months |
5.85% |
| Zone 1 (FICO 719 - 690) |
84 Months |
6.85% |
| Zone 2 (FICO 689 - 670) |
60 Months |
5.90% |
| Zone 2 (FICO 689 - 670) |
63 Months |
5.90% |
| Zone 2 (FICO 689 - 670) |
66 Months |
6.50% |
| Zone 2 (FICO 689 - 670) |
72 Months |
6.95% |
| Zone 2 (FICO 689 - 670) |
75 Months |
6.95% |
| Zone 2 (FICO 689 - 670) |
84 Months |
N/A |
| Zone 3 (FICO 669 - 650) |
60 Months |
9.30% |
| Zone 3 (FICO 669 - 650) |
63 Months |
9.30% |
| Zone 3 (FICO 669 - 650) |
66 Months |
10.25% |
| Zone 3 (FICO 669 - 650) |
72 Months |
10.25% |
| Zone 3 (FICO 669 - 650) |
75 Months |
10.25% |
| Zone 3 (FICO 669 - 650) |
84 Months |
N/A |
| Zone 4 (FICO 649 - 630) |
60 Months |
11.75% |
| Zone 4 (FICO 649 - 630) |
63 Months |
12.00% |
| Zone 4 (FICO 649 - 630) |
66 Months |
12.25% |
| Zone 4 (FICO 649 - 630) |
72 Months |
12.75% |
| Zone 4 (FICO 649 - 630) |
75 Months |
13.00% |
| Zone 4 (FICO 649 - 630) |
84 Months |
N/A |
| Zone 5 (FICO 629 - 610) |
60 Months |
14.10% |
| Zone 5 (FICO 629 - 610) |
63 Months |
14.35% |
| Zone 5 (FICO 629 - 610) |
66 Months |
14.75% |
| Zone 5 (FICO 629 - 610) |
72 Months |
15.50% |
| Zone 5 (FICO 629 - 610) |
75 Months |
15.75% |
| Zone 5 (FICO 629 - 610) |
84 Months |
N/A |
| Zone 6 (FICO 609 - 580) |
60 Months |
17.45% |
| Zone 6 (FICO 609 - 580) |
63 Months |
17.70% |
| Zone 6 (FICO 609 - 580) |
66 Months |
18.45% |
| Zone 6 (FICO 609 - 580) |
72 Months |
19.45% |
| Zone 6 (FICO 609 - 580) |
75 Months |
19.70% |
| Zone 6 (FICO 609 - 580) |
84 Months |
N/A |
| Zone 7 (FICO 579 - 520) |
60 Months |
19.50% |
| Zone 7 (FICO 579 - 520) |
63 Months |
19.75% |
| Zone 7 (FICO 579 - 520) |
66 Months |
20.00% |
| Zone 7 (FICO 579 - 520) |
72 Months |
20.50% |
| Zone 7 (FICO 579 - 520) |
75 Months |
20.75% |
| Zone 7 (FICO 579 - 520) |
84 Months |
N/A |
The APR on a finance contract with a Loan to Value of between 80.01% to 90% will be decreased by .25. The APR on a finance contract with a Loan to Value of less than or equal to 80% will be decreased by .50. Loan to value ratio means the total amount financed under your vehicle installment sale contract, expressed as a percent of dealer invoice (new). Please ask your dealer for details.
Program and Annual Percentage Rates are subject to change or termination at any time. Please see your participating Scion dealer for details.
*TFS' standard advance policy is as follows: Applicable MSRP % / Average Retail Book Value % (from above) + Dealer Installed Options + LA&H + GAP/DAC + VSA + TAC + Dealer Paid Acquistion Fee + Dealer Paid Tax, Title and License.
Qualified applicants without bureau FICO score are eligible for Zone 7. For <520 FICO scores, add 0.0040 RCF to the Zone 7 RCF. (90% Maximum advance*).
APR may vary if the Amount Financed exceeds TFS's Maximum Advance for the contract, your FICO score is below 520 and/or you apply for 72-84 month financing. Ask your dealer to explain how APRs vary for FICO scores below 520 and 72-84 month financing.
Maximum Advance means the total amount financed less cancelable optional products financed with the vehicle, expressed as a percent of dealer invoice (new). Finance contracts with Maximum Advances of over 120% for applicants with FICO Scores of more than or equal to 650 or over 100% for FICO scores of less than 650 will result in an increase of the APR by .25 or .50 respectively.
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