South East Toyota Financing (SETF) Rate Sheet / Financial Bulletin

Hey All,

Been reading on TW for a while and finally signed up to join the conversation. This is my second post.

I googled but was only able to find southern California rate sheets for Toyota financing. A quick search of TW did not net any results, either.

Anyone have access to these figures for South East Toyota Financing (SETF) / financial bulletin and be willing to share? I plan on purchasing a 2019 or 2020 sometime between August and October this year and don't want to do the whole song and dance while at the dealership. Want to know where I fall based on score/tier, term and amount financed. Any help would be greatly appreciated.

Thanks!

 

Update: I did reach out direct to SETF and they would not provide a rate/term sheet. However, they did relay my question to a sales manager from a southeast Toyota dealer and provided the following details:

For those of you wondering about lower credit scores:

So far, no luck on the full rate sheet. I have a buddy that used to be financing manager for a FL dealership who has since moved to Hyundai. According to him Sales Managers do not make this information readily available but rather provide the terms for financing only once negotiations have started for the truck.

 

That seems about right. I did a 60 month loan and SETF gave me 0.9 apr. I did have a decent credit score (745) but the dealership wanted to scam me and said they couldn't approve SETF special rates unless I had a cosigner. Luckily my father agreed to and it seems his 800+ CS shut them up lol.

Rates seem to slightly change depending on the season, as in, you can get the lower rates in a higher number of months.

 

Crimson, thanks for your input, much appreciated! Do you mind me asking how old you are? I am surprised to hear that Toyota wouldn't approve the rate considering your score falls well within SETF's own guidelines. If you don't mind again, which dealer? I might want to steer clear of them!

 

I have the SETF and received the 0% for 36 months no questions asked. Though I did have a almost brand new F-250 for a trade in.

 

Thanks Doug, that makes sense...guessing they probably made a bit on the trade-in spread. However, if I was putting a $10k down payment and my credit score fell within the range for ~1-2% APR I wonder what they would say? Would love to hear more people's experience on this!

 

I doubt you will since I am located all the way in GA lol, but it was Roswell Toyota.

I had just turned 22 the day I was doing the negotiations, not sure if that's what made me not as qualified in their eyes lol.