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CALIFORNIA  -  SACRAMENTO RATE LETTER

Effective: January 01, 2012

 

NEW SCION  VEHICLES ONLY

 

 Maximum Term

 Zone 1+

 Zone 1

Zone 2

Zone 3

 

Zone 4

 

 

Zone 5

 

Zone 6

Zone 7

 

FICO

FICO

FICO

FICO

FICO

FICO

FICO

FICO

 

720+

 719-690

689-670

 669-650

649-630

629-610

609-580

579-520

 

(11)

(1) 

(2) 

(3) 

(4) 

(5) 

(6) 

(7) 

 60

3.09

3.49

6.29

9.14

12.04

13.29

18.09

20.04

 66

3.24

3.74

6.29

9.24

12.14

13.64

18.84

20.54

 72

3.89

4.04

7.24

9.79

12.54

13.79

19.34

21.54

 75

4.14

4.54

7.24

9.79

12.54

13.79

19.34

21.54

 84

5.14

5.54

 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 Usede Wholesale book.
  • 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 Vehicles Only).
  • Qualified applicants without bureau FICO scores are eligible for Zone 7 rate (New Vehicles Only).
   

        

SCION CERTIFIED PRE-OWNED VEHICLES ONLY

 Maximum Term

 Zone 1+

 Zone 1

Zone 2

Zone 3

 

Zone 4

 

 

Zone 5

 

Zone 6

Zone 7

 

FICO

FICO

FICO

FICO

FICO

FICO

FICO

FICO

 

720+

 719-690

689-670

 669-650

649-630

629-610

609-580

579-520

 

(11)

(1) 

(2) 

(3) 

(4) 

(5) 

(6) 

(7) 

 60

3.09

3.49

6.29

9.14

12.04

13.29

18.09

20.04

 66

3.24

3.74

6.29

9.24

12.14

13.64

18.84

20.54

 72

3.89

4.04

7.24

9.79

12.54

13.79

19.34

21.54

 75

4.14

4.54

7.24

9.79

12.54

13.79

19.34

21.54

 84

5.14

5.54

 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 - Cancellable 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 eligable for the SCPO program.
  •  For < 520 FICO scores, add 1% to zone 7 rate.
 
  • 84 month term requirements:  Minimum amount financed is $15,000.

 
 

PROGRAMS

Scion Solutions College Graduate Program customers are eligible for Zone 1 NEW Car Rate

   
 
 

For the TRD SUPERCHARGER "AFTERMARKET" RETAIL FINANCE PLAN, the following uprates apply:

 

Max Term

Zone 1+

Zone 1

Zone 2 

Zone 3 

Secured:
(w/ vehicle & supercharger)

36 

Std 60 mo rate
+ 2.50%

Std 60 mo rate
+ 3.50%

Std 60 mo rate
+ 4.50%

Std 60 mo rate
+ 6.50%

Secured:
(w/ supercharger ONLY)

36

Std 60 mo rate
+ 3.50%

Std 60 mo rate
+ 4.50%

Std 60 mo rate
+ 6.50%

Std 60 mo rate
+ 10.50%

 - No dealer rate participation or flat fees are allowed.
 
 
 
 

FEATURES

   
  • NOTE: Rates are determined by the applicant(s) Automotive model FICO score from Experion/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 any 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.
    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 is not compatible with any Scion Solutions retail programs
  • Credit worthy Business Solutions customers including those with co-applicants, receive a minimum Zone 1 rate; co-applicants with a 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.

          

 First Extended Service Comprehensive

Months/Miles

$0 Deductible

60/75K = $1229  60/100K = $1477  72/60 = $1115  72/100K =$1611 84/75K = $1292  84/100K = $1884

$100 Deductible

60/75K = $942  60/100K = $1074 72/60K = $979   72/100K =$1171 84/75K = $1133 84/100K = $1366

$200 Deductible                              

60/75K = $703  60/100K = $837 72/60K = $641  72/100K = $911 84/75K = $738   84/100K = $1062

Note: New Vehicles Only.Wrap is for new vehicles with a minimum manufacturer 5/60 powertrain coverage. 

    
Lifetime Oil Change Plan    
Lifetime Synthetic Oil Changes   $599
Lifetime Oil Changes (non synthetic)   $399

 

TFS Warranty

xB & xD 36/50K 48/65K 60/60K 72/75K 72/100K 84/75K 84/100K
Platinum (0$ Deductible) $900 $950 $950 $1,025 $1,200 $1,100 $1,325

 84/125K 96/75K 96/100K 96/125K      

 $1,500 $1175 $1,425 $1,700      
tC 36/50K 48/65K 60/60K 72/75K 72/100K 84/75K 84/100K
Platinum (0$ Deductible) $1,000 $1,050 $1,075 $1,150 $1,350 $1,225 $1,475

 84/125K 96/75K 96/100K 96/125K      

 $1,700 $1,325 $1,600 $1,925      

Pre-Paid Maintenance (All Scion Models)

Premium Plan 72/100K 72/100K 72/100K        
  $575 $1,150 $1,355        
 
 

GAP Insurance (All Scion Models)

 

Gap insurance with contract date prior to 7/1/2011    $594.00
Gap insurance effective 7/1/2011   $649.00

Environmental Package

Paint Sealant

  

$329.00

Undercoating

   $199.00

Interior Fabric Protectant

  

$109.00

Interior Vinyl/Leather Protectant   $99.00

 

Stolen Vehicle Recovery System

Lo-Jack (Basic)

One Time free + Tax

$695.00

Lo-Jack (w/ Lifetime Warranty)

One Time free + Tax

 $795.00

Lo-Jack (w/ Lifetime Warranty & Early Warning)

One Time free + Tax

$1095.00

Lo-Jack (w/ Lifetime Warranty, Early Warning & Guarantee Plus 5000)

One Time free + Tax

$1295.00

 

***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.

 

FLAT FEE SCHEDULE

New 

New 

For All SCPO 

Non-Wholesale Zone 1+ thru Zone 7
Wholesale Zone 2 thru 7 

Wholesale
Zone 1+ thru 7 

Non-Wholesale Zone 1+ thru Zone 7
Wholesale Zone 1+ thru 7 

$250

$325

$200

 

Updated 01/16/2012