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OREGON  RATE LETTER

Effective January 1, 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

3.04

3.29

4.24

7.00

10.30

13.65

15.90

19.15

 66

3.04

3.29

4.24

7.00

10.30

13.65

16.00

19.15

 72

3.14

3.39

4.34

7.25

10.70

13.85

16.45

19.35

 75

3.14

3.39

4.34

7.25

10.70

13.85

16.45

19.35

 84

4.14

4.39

 N/A

N/A 

 N/A

 N/A

 N/A

 N/A

Advance Limits*

120%

120% 

120%

120%

100%

100%

100%

100%

Advance Exception Uprates

+.25

+.25

+.25

+.25

+.50

+.50 

+.50

+.50
* 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).

        

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

3.04

3.29

4.24

7.00

10.30

13.65

15.90

19.15

 66

3.04

3.29

4.24

7.00

10.30

13.65

16.00

19.15

 72

3.14

3.39

4.34

7.25

10.70

13.85

16.45

19.35

 75

3.14

3.39

4.34

7.25

10.70

13.85

16.45

19.35

 84

4.14

4.39

 N/A

N/A 

 N/A

 N/A

 N/A

 N/A

Advance Limits*

120%

120% 

120%

120%

100%

100%

100%

100%

Advance Exception Uprates

+.25

+.25

+.25

+.25

+.50

+.50 

+.50

+.50

 *  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 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.
 
 

PROGRAMS

   

Scion Solutions College Graduate Program customers are eligible for Zone 1 NEW car rate

   

FEATURES

   
  • Rates are determined by the applicant(s) Automotive model FICO score from Equifax Beacon 5.0.  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) less than or equal to 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, recieve a minimum Zone 1 rate. Co-applicants with a 720+ FICO scores receve 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 Coverage     Vehicles Under 12,000 Miles and Under 12 Months of Service

Months/Miles

$0 Deductible

60/75K = $1536  60/100K = $1846  72/60 = $1394  72/100K =$2013 84/75K = $1615  84/100K = $2355

$100 Deductible

60/75K = $1178  60/100K = $1342 72/60K = $1223  72/100K=$1463  84/75K = $1416 84/100K = $1707

$200 Deductible

60/75K = $879  60/100K = $1046 72/60K = $802  72/100K = $1139              84/75K = $923   84/100K = $1327

First Extended Service Comprehensive Coverage     Vehicles Over 12,000 Miles and  Over 12 Months of Service

Months/Miles

$0 Deductible

60/75K = $1761  60/100K = $2071  72/60 = $1619  72/100K =$2238 84/75K = $1840  84/100K = $2580

$100 Deductible

60/75K = $1403 60/100K = $1567 72/60K = $1448  72/100K=$1688  84/75K = $1641 84/100K = $1932

$200 Deductible

60/75K = $1104  60/100K = $1271 72/60K = $1027  72/100K = $1364             84/75K = $1148   84/100K = $1552

 

TFS Warranty

xB & xD 36/50K 48/65K 60/30K 72/75K 72/100K 84/75K 84/100K  
Platinum (0$ Deductible) $575 $675 $713 $875 $1,338 $1,050 $1,613  
Platinum (50$ Deductible) $450 $550 $588 $750 $1,213 $925 $1,488  
xB & xD 36/80K 60/60K 60/80K 60/100K 72/75K 72/100K 84/75K 84/100K
Gold (0$ Deductible) $613 $613 $738 $963 $763 $1,038 $900 $1,263
Gold (50$ Deductible) $488 $488 $613 $838 $638 $913 $775 $1,138
Power train 72/100K              
0$ Deductible $800              
$50 Deductible $675              
tC 36/50K 48/65K 60/60K 72/75K 72/100K 84/75K 84/100K  
Platinum (0$ Deductible) $588 $713 $738 $925 $1,450 $1,125 $1,763  
Platinum (50$ Deductible) $463 $588 $613 $800 $1,325 $1,000 $1,638  
tC 36/80K 60/60K 60/80K 60/100K 72/75K 72/100K 84/75K 84/100K
Gold (0$ Deductible) $650 $638 $775 $1,025 $813 $1,113 $963 $1,375
Gold (50$ Deductible) $525 $513 $650 $900 $688 $988 $838 $1,250
Power train 72/100K              
$0 Deductible $850              
$50 Deductible $725              
 
 

GAP Insurance

Term

Price

Lease Price

49 - 84 Months

$435.00

$500.00

37 - 48 Months

$400.00

$460.00

25 - 26 Months

$360.00

$425.00

1 - 24 Months

$335.00

$400.00

Payment Protection  

Credit Life Insurance

Regulated by the State of OR

 

Credit Disability Insurance

Regulated by the State of OR

 

Automatic Security System

Global DL- 200 Adds full alarm and immob. through factory key fobs $489.00
Global PS-25A Adds remote start $599.00
Global PS-COMBO Adds full alarm, Engine immob., and remote start $799.00
Front End Mask Packages
Package # 1 (Basic) Includes hood, fender tips and mirrors $599.00
Package #2 Includes Basic package + Headlamps and fog lamps $749.00
Package #3 Includes package #2 + Front fascia and grill $1,399.00

xA,  xB,  tC Four Way Protection

Prestige Paint Shield

 

$329.00

Prestige Vinyl/Leather

Prestige Coatings Vinyl/Leather Shield adheres to surfaces creating a protective coating that prevents mildew, facing and discoloration.

$99.00

Prestige Fabric/Carpet Shield

Prestige Fabric/Carpet Shield protects by "encapsulating" each and every fabric fiber guarding against permanent stains and discoloring

$109.00

Deluxe Undercoat

Apply undercoating to underbody, frame and gas tank and ski plates

$199.00

Lifetime Oil Changes

Standard Program

4 Oil changes/ year or every 3000 Miles

$399.00

Executive Plan

Change oil every 3000 miles ? no limit

$499.00

***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.

 

Updated 2/10/2012