TFS finance

Really curious to know what % finance rate people received if they used Toyota Financial Services. Bonus if you share you fico score range.
My fico is in the 790-810 range and would really like to get that 1%.

 

I have an 805 according to creditkarma on transunion and Southeast Toyota Finance offered me 3.5%. I didn't even bother trying to negotiate a better one because I was just using them for their rebate. I immediately refinanced with USAA for 36 months at 1.49%.

 

tfs gave me 1.99 on my 2010 when i got it. Got good credit. I ditched them fast, however.

 

nice one!

 

I got 4.65% b/c it was my first vehicle....I don't know my actual FICO score is, but my transunion(?) is 730...that being said....I am already refinancing, just so I don't have to pay them...they told me that bi weekly payment plan was optional and it is not. That, along with some other stealership practices, aggravated me enough to change to my FCU, which does offer bi weekly payments. My APR will be the same, but I won't be paying TFS.

 

810 Fico
2.5%

 

Any of you in canada?

 

Right now TFS cannot beat most credit union rates. However it can be worth purchasing through TFS to achieve better negotiations and rebates ($500 off for military reserves in my case), then refinance 3 or 4 months later with a credit union. For instance based on my quick google search the NSWC Fed Credit Union is offering 1.99% @72 months for new vehicles. Per their terms and conditions on website New Vehicles count as: Year models 2014, 2015 and 2016 with 20,000 miles or less. All you have to do to become a member is pay a one time $10 fee to join a local library club. The membership folks at NSWC will see to it that you meet eligibility requirements as they likely will desire your business. 1.99% for 72 months is pretty damn competitive I think. Obviously a shorter term could probably net you a lower interest rate and a smarter financial decision.