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Finance Pricing (Toyota Financial Services)
Effective 5/1/2012
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| NEW SCION VEHICLES ONLY
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| Term |
Zone 1+
720+ |
Zone 1 719-690 |
Zone 2 689-670 |
Zone 3 669-650 |
Zone 4 649-630 |
Zone 5
629-610 |
Zone 6
609-580 |
Zone 7
579-520 |
| 60 months |
2.99% |
3.69% |
5.89% |
8.39% |
12.85% |
14.75% |
17.10% |
19.50% |
| 63 months |
2.99% |
3.69% |
5.89% |
8.39% |
13.10% |
15.00% |
17.35% |
19.50% |
| 66 months |
3.49% |
3.94% |
6.14% |
8.64% |
13.69% |
15.25% |
17.55% |
19.50% |
| 72 months |
3.99% |
4.44% |
6.64% |
9.14% |
14.29% |
15.75% |
17.85% |
19.50% |
| 75 months |
4.49% |
4.94% |
7.14% |
9.64% |
14.79% |
16.25% |
18.35% |
20.00% |
| 84 months |
5.49% |
5.94% |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
| Advance Limits [1] |
120% |
120% |
120% |
120% |
100% |
100% |
100% |
100% |
| Advance Exception Uprates |
+.25 |
+.25 |
+.25 |
+.25 |
+.50 |
+.50 |
+.50 |
+.50 |
- [1] Advance Definition = [Total Amount Financed - Cancelable Adds (VSA, GAP, CLAH,
TAC)] / New Invoice or Used Wholesale Book
- Scion Solutions iFi: Qualified iFi customer rate is determined by FICO score. FICO
score must be >=610 (New Scion only). Please refer to program guidelines for a list
of qualifications.
- Qualified applicants without bureau FICO scores are eligible for Zone 7 rate (New
vehicles only).
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| SCION CERTIFIED PRE-OWNED VEHICLES ONLY
|
| Term |
Zone 1+
720+ |
Zone 1 719-690 |
Zone 2 689-670 |
Zone 3 669-650 |
Zone 4 649-630 |
Zone 5
629-610 |
Zone 6
609-580 |
Zone 7
579-520 |
| 60 months |
2.99% |
3.69% |
5.89% |
8.39% |
12.85% |
14.75% |
17.10% |
19.50% |
| 63 months |
2.99% |
3.69% |
5.89% |
8.39% |
13.10% |
15.00% |
17.35% |
19.50% |
| 66 months* |
3.49% |
3.94% |
6.14% |
8.64% |
13.69% |
15.25% |
17.55% |
19.50% |
| 72 months* |
3.99% |
4.44% |
6.64% |
9.14% |
14.29% |
15.75% |
17.85% |
19.50% |
| 75 months* |
4.49% |
4.94% |
7.14% |
9.64% |
14.79% |
16.25% |
18.35% |
20.00% |
| 84 months* |
5.49% |
5.94% |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
| Advance Limits [1] |
120% |
120% |
120% |
120% |
100% |
100% |
100% |
100% |
| Advance Exception Uprates |
+.25 |
+.25 |
+.25 |
+.25 |
+.50 |
+.50 |
+.50 |
+.50 |
- [1] Advance Definition = [Total Amount Financed - Cancelable Adds (VSA, GAP, CLAH,
TAC)] / New Invoice or Used Book
- * Available on 1-3 year old Scion Certified vehicles ONLY.
- TFS Used rates apply to Non-Certified Scion Used vehicles. Refer to Toyota Used
rate letter for rates, participation guidelines, and Minimum Reserve schedule.
- Qualified applicants without bureau FICO scores are not eligible for the SCPO program.
- For < 520 FICO scores, add 1% to Zone 7 rate.
- ** 84 month term requirements: Minimum amount financed is $15,000.
- Scion Solutions College Graduate Program customers are eligible for Zone 1 NEW car
rate
- NOTE: Rates are determined by the applicant(s) Automotive model FICO score from
Experian/Fair Isaac Risk Model V2. A secondary credit bureau may be used to determine
the rate subject to program guidelines.
- When an applicant and co-applicant exist, the qualifying tier will be based on the
higher of the two applicants' FICO score.
- Please note that the Multiple Credit Bureau Option is not available to customers
that have a null FICO or a FICO score less than or equal to 609 on either the applicant
or co-applicant's Primary Bureau.
- Dealer rate participation NOT allowed on New and Certified Scion Solutions retail
programs.
- Equity Program for ALL Zones - For Loan-to-Value (LTV) 80.01% - 90%, DEDUCT 0.25%
FROM ABOVE RATES.
New For ALL SCPO Super Equity Program for ALL Zones - For Loan-to-Value (LTV) ≤
80%, DEDUCT 0.50% FROM ABOVE RATES.
- Encore End-of-term benefit is applicable; however, rate reduction for Encore not
compatible with any Scion Solutions retail program.
- Credit worthy Business Solutions customers including those with co-applicants, receive
a minimum Zone 1 rate. Co-applicants with 720+ FICO scores receive a Zone 1+ rate.
- Dealer-Owned Vehicle (DOV) Finance Program contracts receive an automatic Zone 1+
rate. Standard Minimum Reserve Schedule applies. All other Business Solutions terms
and conditions apply. See DOV Program Guidelines for additional program details.
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