NEW SCION VEHICLES ONLY
| Vehicle | Max Term | Zone 1+
FICO
720+ | Zone 1
FICO
719-690 | Zone 2
FICO
689-670 | Zone 3
FICO
669-650 | Zone 4
FICO
649-630 | Zone 5
FICO
629-610 | Zone 6
FICO
609-580 | Zone 7
FICO
579-520 | | Scion Vehicles | 60 | 5.30% | 5.80% | 8.55% | 9.70% | 11.90% | 14.90% | 17.20% | 18.00% | | Scion Vehicles | 63 | 5.30% | 5.80% | 8.55% | 9.70% | 12.15% | 15.15% | 17.45% | 18.00% | | Scion Vehicles | 66 | 5.45% | 5.95% | 9.05% | 10.20% | 12.40% | 15.60% | 18.00% | 18.00% | | Scion Vehicles | 72 | 5.60% | 6.10% | 9.55% | 10.45% | 12.90% | 16.35% | 18.00% | 18.00% | | Scion Vehicles | 75 | 6.10% | 6.60% | 9.55% | 10.45% | 13.15% | 16.60% | 18.00% | 18.00% | | Scion Vehicles | 84 | 6.85% | 7.35% | N/A | N/A | N/A | N/A | N/A | N/A |
Scion Solutions iFinance rate determined by applicable rate no lower than Zone 4 (New vehicles only).
Scion Solutions Gen-One rate determined by applicable Zone (New).
Qualified applicants without bureau FICO scores are eligible for Zone 7 rate (New vehicles only).
Zone 1+ through Zone 3 +.25% for Advances over 120%
Zone 4 through Zone 7 +.50% for Advances over 100%
SCION CERTIFIED PRE-OWNED VEHICLES ONLY
| Vehicle | Max Term | Zone 1+
FICO
720+ | Zone 1
FICO
719-690 | Zone 2
FICO
689-670 | Zone 3
FICO
669-650 | Zone 4
FICO
649-630 | Zone 5
FICO
629-610 | Zone 6
FICO
609-580 | Zone 7
FICO
579-520 | | Scion Vehicles | 60 | 5.30% | 5.80% | 8.55% | 9.70% | 11.90% | 14.90% | 17.20% | 18.00% | | Scion Vehicles | 63 | 5.30% | 5.80% | 8.55% | 9.70% | 12.15% | 15.15% | 17.45% | 18.00% | | Scion Vehicles | 66 | 5.45% | 5.95% | 9.05% | 10.20% | 12.40% | 15.60% | 18.00% | 18.00% | | Scion Vehicles | 72 | 5.60% | 6.10% | 9.55% | 10.45% | 12.90% | 16.35% | 18.00% | 18.00% | | Scion Vehicles | 75 | 6.10% | 6.60% | 9.55% | 10.45% | 13.15% | 16.60% | 18.00% | 18.00% | | Scion Vehicles | 84 | 6.85% | 7.35% | N/A | N/A | N/A | N/A | N/A | N/A |
TFS Used rates apply to Non-Certified Scion Used vehicles. Refer to Toyota Used rate letter for rates, participation guidelines, and Flat Fee schedule.
Qualified applicants without bureau FICO scores are not eligible for the SCPO program.
For < 520 FICO scores, add 1% to Zone 7 rate. (Faxback 71)
Zone 1+ through Zone 3 +.25% for Advances over 120%
Zone 4 through Zone 7 +.50% for Advances over 100%
PROGRAMS
Scion Solutions College Graduate Program customers are eligible for Zone 1 NEW car rate
FEATURES
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. Sign'n Drive qualifications still apply fo
both applicants.
Please note that the Multiple Credit Bureau Option is not available for customers that have a null FICO or a FICO score less than or equal to 609 on the primary
bureau.
Dealer rate participation NOT allowed on New and Certified Scion Solutions retail programs.
For Sign 'n Drive, refer to the Program Checklist for a list of qualifications.
Encore beginning-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 flat fees apply. All other Business Solutions terms and
conditions apply. See DOV Program Guidelines for additional program details.
LEASE RATES
| Vehicle | Max Term | Zone 1+
FICO
720+ | Zone 1
FICO
719-690 | Zone 2
FICO
689-670 | Zone 3
FICO
669-650 | Zone 4
FICO
649-630 | Zone 5
FICO
629-610 | Zone 6
FICO
609-580 | Zone 7
FICO
579-520 | | Scion New Vehicles | 60 | 0.00285 | 0.00295 | 0.00340 | 0.00410 | 0.00460 | 0.00540 | 0.00600 | 0.00720 | | Scion Certified Pre-Owned Vehicles | 60 | 0.00285 | 0.00295 | 0.00340 | 0.00410 | 0.00460 | 0.00540 | 0.00600 | 0.00720 |
| MSRP/Avg. Retail Book Value Maximum Advance* |
120% |
115% |
110% |
105% |
100% |
100% |
95% |
95% |
| *TFS standard advance policy is as follows: Applicable MSRP % / Average Retail Book Value % (from above) + Dealer Installed Options + LASH + GAP/DCA + VSA + TAC + Dealer Paid Acquisition Fee + Dealer Paid Tax, Title and License |
(Zone 1 - Incl. waived Security Deposit)
Rates are determined by the applicant(s) Automotive model FICO score from Experian (TRW). All contracts will include a $55 documentation fee.
Scion Solutions College Graduate Program: NEW vehicles receive rebate and customers are eligible for Zone1 rate and waived security deposit. SCPO customers are eligible for Zone1 rate and waived security deposit. Rebate not compatible with SCPO.
Scion Solutions iFinance rate determined by applicable rate no lower than Zone 3. New only.
FEATURES
Waived Security Deposit on Zone 1+ and Zone 1 lease agreements.
Dealer rate participation not allowed on any Scion Solutions lease programs.
Encore: Security deposit waiver and beginning-of-term benefit are applicable; however, rate reduction for Encore not compatible with any Scion Solutions lease programs.
Low Mileage Lease: Add 2% to the current published residual percentages (36-60 mos.) New Scions only.
Multiple Security Deposit: Deduct 0.00010 RCF points from qualified Zone rate for each additional security deposit (maximum of 9)
1Pay Feature: Deduct 0.00100 RCF points from the qualified Zone.
Credit worthy business applicants are eligible for Zone I; when a co-application exists, his/her FICO score determines Zone.
Applicants without bureau FICO scores are eligible for Zone 5 only.
Other features are not compatible with Scion Solutions Retail Programs. Scion Solutions Lease Plans, Scion iFinance, and Scion Gen-One are limited to the customer rates listed above.
Alternative Financing available. See dealer for details.
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. |
