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Credit Essentials

The Basics

The Basics

If you're looking to buy a Scion, there are a few things to prepare before your upcoming visit to the dealership - most importantly, your finances.

To help you make the right credit and purchasing decisions, the next sections will tell you a bit more about the ins and outs of financing your car.

It may seem confusing at first, but we promise to make it as simple as possible.

We want you to enjoy our cars completely - and that starts with stressing less about financing. Much like every other decision you make, there are pluses and minuses to consider before you actually apply for credit. So, let's explore your options.

Reality Check

Free money is hard to come by, which is why most people rely on credit to purchase everything from big-ticket items (like an upcoming Scion purchase) to everyday buys (good eats at your favorite restaurant).

HERE'S A QUICK DEFINITION:
Credit is defined as the confidence a lender has in a borrower's ability and intention to repay.

AND HERE'S WHAT THIS MEANS FOR YOU:
Based on factors such as income, the amount of debt you currently have and how well you've handled repayment in the past, your credit typically determines how much money you're allowed to borrow and the interest rates you'll get.

WHAT'S CREDIT GOOD FOR?
Simply put, good credit is great for getting loans that allow you to spread the cost of big purchases over time. Even though that means you buy what you want now, keep this in mind: when creditors grant you credit, there's a cost.

Creditors charge a fee for that financial flexibility you're getting. Every creditor has a different way of charging you, so it's important that you always review all the documents given to you and the terms of your credit before you enter into any agreement with a creditor.

Rate Yourself

Completing a credit application is easy through our Build Your Scion tool. But, before you jump over, know that you'll be asked to "assess your credit." That's where you'll have to be completely honest and give a fair assessment of your financial habits.

Which one most accurately describes you? Based on your answers, Toyota Financial Services (TFS) will provide you with an estimate of your rate. Though you'll have a pretty good idea of how much you'll be paying, remember that it's a ballpark figure. When you come to the dealership, your Scion dealer can help you figure out a plan that's a perfect fit for you.

And, even if you didn't rate as well as you would've liked on our quick quiz, don't give up just yet - our Scion dealerships and Scion Solutions programs were designed just for applicants with little or no credit experience.

Credit History

Credit Report

Your credit history is made up of two important elements: a credit report and a credit score. Here's where you learn about the actual criteria dealerships take into consideration when you apply to finance or lease a Scion.

CREDIT REPORT
Creditors look at your credit report for one main reason: they are trying to decide if they want to extend credit to you. Your
credit report features Personal Information , Credit Information , Public Records   and Inquiries.

Each of the three major credit-reporting agencies (a.k.a. Equifax, Trans Union, and Experian) keeps a running tab on your credit history based on the information it receives from creditors, public records and other sources. When you apply for credit, creditors will request a copy of your report from one or more of these bureaus to compute your credit score as well as review your credit history.

Credit Score

CREDIT SCORE
To be perfectly honest, your credit score is one of the most important factors in your financial life. Ranging from 300 to 850, credit scores are scrutinized by lenders, landlords, insurers, utility companies and even employers. Often referred to as a FICO® score, your credit score basically informs creditors how likely you are to repay your debt. What you ultimately need to know is that the higher your score, the better your chances of getting a great loan and interest rate. Take note that every bureau has its own score, since they use their own methods of calculation. Even though they try to stay as current as possible, it's important you check in on your credit scores from time-to-time for accuracy.

In the next section, you'll learn simple tips to ensure your credit is always in good standing, so you're that much closer to getting your very own Scion.

Because your credit score is such an important aspect of obtaining loans, multiple factors are used to compute your credit score. FICO® is one type of credit score that is commonly used by creditors. Your FICO score is based on your spending and bill-paying habits and your overall debt load. FICO stands for the Fair Isaac Corporation, the company that created the scoring system that has a serious impact on the decisions made by creditors.

The folks you do business with, from lenders (school loans, auto loans, mortgages) to credit card companies, typically file reports on your financial activity to one or more of three major credit bureaus on a monthly basis: Equifax, Trans Union, and Experian. These credit bureaus know what you have spent, what you owe, and if you tend to pay bills on time or let them slip. From all that raw personal data, each credit bureau calculates a score based on the information they have on you in their database. Some creditors use a bureau generated score together with other data they may have on you to generate their own internal credit score.

Until now, we've painted a picture of your credit score being one number that is used to determine whether or not you're worthy of receiving an extension of credit. The truth is: there's no single score—every bureau has its own score.

WHY?
Each credit bureau uses their own methods of calculating your credit score based on the information in their database. And yes, each credit bureau has multiple ways of calculating the same credit score. What's more, every credit bureau may receive different info about you from different sources. For instance, your credit card may report to Equifax but not TransUnion or Experian, which results in three different reports containing different information.

While the law requires creditors and others to report data to the credit bureaus that is accurate, , you want to make sure that all three reports are complete and up-to-date. This is why you should check in on your credit scores from time-to-time.

Federal law allows consumers to obtain one free report from each of the three main credit bureaus every 12 months. You can get these reports online at www.annualcreditreport.com or by calling 877.322.8228.Although the bureaus have an obligation to delete some old information from your report, the credit bureaus rely on the information that is sent to them by your creditors and others who do business with you. Therefore, your score from any given credit bureau is a reflection of the most recent information sent to them about you, so it's possible for your credit score to change by the day. Here's where you come in.

To try to remain in good credit standing, you must take a proactive approach to guard your credit history. If you have errors on your credit report, know that you're not alone. A recent survey by the U.S. Public Interest Research Group found that 79% of reports overall had some sort of mistake or error. You can file a dispute with the credit bureau by going to their website or calling their 800 number to set the record straight.. Federal law allows you to dispute information in your credit report and obligates reporters of information to investigate your dispute and report the results of their dispute to the bureaus. If an investigation reveals that information reported to the bureaus is inaccurate or incomplete, the reporter and the bureau are required to correct or delete the inaccurate information.

Credit Tips

Intro

Getting Started

From financial analysts to family and friends, there are plenty of different opinions out there about how to maintain good credit. We've narrowed it down to our top four tips, but remember, this is your financial life and you should do what you're comfortable with. We're just here to give our two cents.

Establish A Routine

In the "buy now, pay later" process, don't forget the "pay later" part. Late payments not only incur additional charges and fees, but they may also put a ding on your credit history. Establish a routine today, so that you can make payments well before the due date and keep your credit history nicely polished.

Be Proactive

There are a lot of great resources on the web and in the media that address credit issues and ongoing maintenance, so you can get free credit reports, personal advice and credit bureau contact information. Remember, the more you know, the better prepared you'll be.

Be Responsible

Okay, no one really likes to be put on a budget. But it's not so bad. In fact, budgets can actually turn out to be a pretty great thing. If you ever feel like you don't have quite enough cash at the end of the month, creating a budget and cutting a few extraneous things out of your life may help. Plus, you'll find it's much easier to track outstanding debt and work towards paying it off. (And that's a much better feeling than the buzz you get from an overpriced latte.)

Inform Your Creditor Of
An Address Change

Do this immediately, any time you move, so you can receive and pay your bills on time. Remember, paying a little more attention now to maintaining your good credit history can save you a lot (both literally and figuratively) in the long-run.

Okay, you're a bit wiser now and even more prepared for your upcoming trip to the Scion dealership. Now it's time for you to understand the differences between financing and leasing a Scion.

Cool? Let's proceed.

Resources

FREE CREDIT REPORT
Federal law allows consumers to obtain one free report from each of the three credit bureaus every 12 months. You can
get these reports online at www.annualcreditreport.com or by calling 877.322.8228.

CREDIT BUREAUS
You can contact the credit bureaus as follows:

>    Equifax
      1.800.685.1111

>    Experian
      1.888.EXPERIAN

>    TransUnion
        1.800.888.4213

PERSONAL ADVICE
We're not the only ones dropping some knowledge on how to build and protect your credit history. Here are helpful outside resources:

Understanding Vehicle Financing
A handy PDF tutorial on financing a vehicle put together by the not-for-profit agency AFSAEF (American Financial Services Association Education Foundation), dedicated to helping consumers become financially literate.

Financial Programs

Finance & Lease

Protect Your Scion

Boy Meets Car

Finance & Lease

Choosing One

How It Works

How It Works

At this point, it's a good idea to devise a monthly budget list if you haven't already done so. Figure out exactly how much you can spend because it may affect your decision to lease or finance.

How Finance Works

After that overview of what financing and leasing are all about, here's where applied knowledge comes into play.

THE WONDERFUL WORLD OF FINANCING
When you apply for financing through the dealership, you are financing the purchase of your vehicle. Among other items, you and your dealer will agree on a purchase price, an annual percentage rate (APR), any down payment, the contract term, and the monthly payment.

Your goal is to negotiate the lowest rate you qualify for that will result in a payment schedule that best fits your monthly budget and your financing goals. While you're negotiating with your dealer, keep in mind that a lower APR with longer terms will give you lower monthly payments. However, the flipside of opting for a longer term to lower your monthly payments is that you'll end up paying more in interest over the life of the contract. To help save more money in the end, consider taking a contract with a shorter term instead.

If you aren't satisfied with the figures you've come up with, don't worry. There are many more options available, such as searching our numerous finance programs for other leads. If those still don't work, you may want to consider leasing a Scion.

How Leasing Works

The Fundamentals Of Leasing

THE FUNDAMENTALS OF LEASING
Leasing may be a more affordable way to bring your Scion home. Just like purchase financing, your monthly payment will depend on a few variables: your credit history and qualifications, the term of the lease, a rent charge, the agreed upon value of the vehicle (this is something you and the dealer will negotiate), and the residual value of your vehicle.

One way to lower your monthly payment is to have a large capitalized cost reduction, similar to a down payment when you're financing.

Here's How Capitalized Cost Reduction Works...

HERE'S HOW CAPITALIZED REDUCTION WORKS
Capitalized cost reduction is the amount of money you pay to reduce your gross capitalized cost. This includes a trade-in allowance, rebate or other non-cash credit, or cash paid. It is important to note that the capitalized cost reduction is only applied to reduce your gross capitalized cost. Your gross capitalized cost is simply the agreed upon value of the vehicle plus any items you pay over the lease term (like taxes, service contracts, insurance, and prior credit or lease balance owed on a trade-in). The capitalized cost reduction does not reduce any other amounts you may owe in cash at lease signing.

Once everything has been negotiated between you and the dealer and the contracts have been signed, you're ready to enjoy your new Scion.

It's So Hard To Say Good Bye

IT'S SO HARD TO SAY GOOD BYE
One thing to know when leasing is that you're going to have to return the car at the end of the lease term unless you exercise an available purchase option. When that time comes, you'll need to know about potential excess wear and use charges that could be assessed to you, how to get back any unused portion of your security deposit, what happens if you return your vehicle before the lease term ends and the opportunity to purchase your Scion.

Excess Wear & Use Charges

EXCESS WEAR & USE CHARGES
If there is excessive wear and use and/or if there is excess mileage on the vehicle, you have to pay for this excess according to the terms of your contract. Not entirely pleasant, but definitely something to consider when deciding between financing or leasing a Scion.

Getting Your Security Deposit Back

GETTING YOUR SECURITY DEPOSIT BACK
Let's say you return your Scion at the end of your lease in great shape and you didn't exceed the mileage allowance. If you do not have other outstanding amounts owed, you're then given your security deposit back, which can be used to start a new lease on another car. (But this happens only if you don't owe anything under your lease when it ends.)

Before The Lease Term Ends

BEFORE THE LEASE TERM ENDS
You can always return the vehicle before your lease term ends, too. However, early termination fees and other amounts you owe under the contract will be charged to you. These fees may be substantial. When these fees are paid, your lease is over.

Purchase

PURCHASE
Suppose you've grown attached to your Scion by the end of your lease. Yep, it's hard to forget the passengers it's held, the road trips you've taken, even that first flat tire. That's why you may have an opportunity to buy it! Be sure to carefully review your contract before you sign it and ask your dealer to explain whether a purchase option is available.

How To Get It

You're almost there. Here's a quick checklist to make sure you're ready to go to the Scion dealership.

PLANNING TO PLAN
Remember way back to the first area of this tutorial - the budget? That's the first set of criteria you'll need to know before you visit the dealer.

WHAT TO TAKE WITH YOU
To help your dealer process all the paperwork, make sure you remember all these things on the list below are in your pocket (or whatever else you use to carry stuff in:

>    Two current forms of identification, including one government-issued photo ID (such as a driver's license)
>    A copy of your auto insurance
>    A check for the down payment or fees due at signing
>    Trade-in vehicle (if applicable)
>    Title for trade-in vehicle (if applicable)
>    Payment book/statement for trade-in, if there is an amount owing on the trade-in vehicle
>    Proof of income (W2, pay-stub, etc.)
>    A copy of a pre-approval (if you have one)

Financial Programs

Protect Your Scion

Credit Essentials

Boy Meets Car

Financial Programs

Buying

Retail Finance Plan

RETAIL FINANCE PLAN
If you plan to keep your Scion for awhile and drive more than 15,000 miles a year, the Scion Solutions Retail Finance Plan is a great choice. With Competitive Annual Percentage Rates and flexible payment options, start clearing out a space in the garage.

Enter your zip code to get Scion Solutions New Vehicle Annual Percentage Rates (APRs) at participating Scion dealers in your area. Contact your participating Scion dealer for Scion Certified Annual Percentage Rates

College Graduate Finance Program

COLLEGE GRADUATE FINANCE PROGRAM
Congratulations on graduating from college! To celebrate, we're offering qualified recent grads $400 towards the purchase of a new Scion.[2]

For qualifying recent college grads, the Scion Solutions College Graduate
Finance Program [1] offers the following benefits:

No money down and no monthly payments for 90 days  [3]
Complimentary Roadside Assistance for one year

To qualify for the Scion Solutions College Graduate Finance Program, you must meet the following criteria:

GRADUATION
Proof that you have graduated from an accredited four-year college, university, or registered nursing degree program during the last two years or will graduate from such a school/program within the next six months, or
Proof that you have graduated from an accredited two-year college during the last two years, or Proof that you are enrolled in an accredited graduate degree program or have received a degree from an accredited graduate degree program during the last two years.

JOB
Show proof of future employment, with a start date within 120 days of your purchase. Toyota Financial Services must deem your salary sufficient to cover living expenses and vehicle payments.

INSURANCE
Bring proof of collision insurance, as required by Toyota Financial Services. See your dealer for details.

Also important to note: Minor credit lapses may be allowed. Obligations paid within 60 days or less of the due date and non-credit related (e.g., rent, utilities, health club membership, etc.) charge-offs less than $250 are acceptable. Other restrictions apply.

[1] Programs are available on approved credit to qualified customers through Toyota Financial Services and participating Scion dealers. Not all applicants will qualify. Programs not available in Alabama, Florida, Hawaii, Georgia, North Carolina, and South Carolina. In all of those states other than Hawaii, similar programs may be available through participating Scion dealers and World Omni Financial Corp. Programs are subject to change or termination at any time. Please see your participating Scion dealer for details.

[2] Rebate is offered by Toyota Motor Sales, U.S.A., Inc. On finance contracts, rebate can only be applied towards the down payment. Program available to qualified customers financing new untitled Scion vehicles through Scion dealers and Toyota Financial Services. One rebate per finance transaction. Available for a limited time. Ask your participating Scion dealer for details. Some restrictions apply.

[3] First payment may be deferred for 90-days; finance charges accrue from contract date. Deferred payment not available in PA or in connection with the preferred option finance plan. Toyota Financial Services is a service mark of Toyota Motor Credit Corporation.

iFinance Program

iFINANCE PROGRAM
It's hard work staying on top of your credit history. Because we get it that not every applicant has the best credit history, we've designed a financing program for you. If you meet the criteria below, you may be able to drive home in a new xA, xB, tC, or xD without a co-buyer.

HERE'S WHAT YOU NEED:
>    Credit Line. One satisfactory trade line open for one year ($500 minimum) and no negative credit history.
>    References. Five personal and verifiable references.
>    Employment.      A full-time job, which you've held for at least six months.
>    Sufficient Income. Your income must be enough to cover ordinary living expenses and vehicle payments, and be consistent and verifiable. Your monthly payment may not exceed a certain percentage of your gross monthly income.
>    Vehicle Insurance. You must show verifiable proof of insurance, as required under the terms of your contract.
>    Other restrictions apply. See your dealer for details.

Enter your zip code to get Scion Solutions New Vehicle Annual Percentage Rates at participating Scion dealers in your area. Contact your participating Scion dealer regarding Scion Certified Annual Percentage Rates.

Gen-One Finance Program

GEN-ONE FINANCE PROGRAM
The Scion Solutions Gen-One Finance Program is designed to help buyers with little or no previous credit history. To qualify, you must meet the following criteria:

Employment. A full-time job, which you've held for at least six months.

Sufficient Income. Your income must be enough to cover ordinary living expenses and vehicle payments, and be consistent and verifiable. Your monthly payment may not exceed a certain percentage of your gross monthly income.

Vehicle Insurance. You must show verifiable proof of insurance, as required under the terms of your contract.

No Adverse Credit. Your credit history must meet Toyota Financial Services credit standards.

References. Six personal and verifiable references.

Other Restrictions Apply. See your dealer for details.

Enter your zip code to get Scion Solutions New Vehicle Annual Percentage Rates at participating Scion dealers in your area. Contact your participating Scion dealer regarding Scion Certified Annual Percentage Rates.

Scion Military Rebate Program

SCION MILITARY REBATE PROGRAM
In appreciation of all you do, Scion is offering a special $400 rebate to eligible active duty personnel. [1]

To qualify for the Scion Military Rebate Program, you must meet
the following criteria:

REQUIREMENTS
Eligible customers must be on current active duty status in the U.S. Military (Navy, Army, Air Force, Marines, National Guard, Coast Guard and active Reserve)

Verifiable proof of military status or proof of active service is required at time of purchase in the form of the following documentation:

> Leave and Earning Statement
> Military Orders including Call to Active Duty Letter within one month of departure
> Military Identification Card

Non active duty Reserve or Retired Military Personnel are not eligible
for the rebate.

Receive a salary sufficient to cover ordinary living expenses and vehicle payments;
Upon credit approval by Toyota Financial Services.

DISCLAIMER

Scion Certified Pre-Owned Vehicles

Did You Know

DID YOU KNOW
Even if you lack a perfectly clean credit history, you may still qualify for financing if you apply for credit with a co-applicant.

Leasing

Overview

OVERVIEW
Here's another route to get that Scion you've been looking at: leasing. Think about it—you get a new Scion every few years, you avoid the hassle of selling or trading in your car, and you may enjoy lower monthly payments than traditional financing.

These programs are available through your participating Scion dealer and
Toyota Financial Services [1]

Scion Solutions Lease Plan

SCION SOLUTIONS LEASE PLAN
With a Scion Solutions Lease Plan, you may pay less cash upfront and enjoy lower monthly payments than you would if you were financing the purchase of your vehicle. You also have the flexibility of driving a new vehicle every few years, without having to worry about selling your vehicle at the end of the lease.

TERMS
All new Scions are eligible. Standard terms range from 24-60 months.

COSTS AT LEASE SIGNING [1]
The amount you pay at lease signing is generally lower than the amount
you pay up front when you sign a finance contract. Check out this handy
example: [2]

Lease a 2006 Scion xB Manual Transmission at $237.00/per month for 48
months. Total payments $11,376. [3]

Due at Lease Signing:
First monthly payment - $237.00
Acquisition Fee: $400.00[4]
Refundable Security Deposit: $275

Excludes tax, title, license, and registration fees.
[3] Example is based on low mileage lease (12,000 miles per year).

PURCHASE OPTION
You'll have the option to purchase your lease vehicle during the lease or at lease-end according to the terms of your lease.

MILEAGE LIMITS
The total allowable mileage disclosed on the lease agreement is calculated by dividing the number of months in the term by 12 and multiplying this amount by 15,000 (standard lease) or 12,000 (low mileage lease).

For example, a standard lease with a 36 month term is calculated as follows:
36 month term divided by 12 = 3 years
3 years multiplied by 15,000 miles = 45,000 total allowable miles.  [5]

EARLY TERMINATION CHARGE
If you terminate your lease early, you will be required to pay an early
termination charge. This amount may be substantial.  [6]

TAX BENEFITS
If you use your lease vehicle for business, you should consult with your tax advisor regarding potential tax benefits.

ALSO IMPORTANT TO NOTE:
Program not available in Alabama, Florida, Hawaii, Georgia, North Carolina, and South Carolina. In all of those states, other than Hawaii, similar programs may be available through participating Scion dealers and World Omni Financial Corp. See your participating Scion dealer for details. Program is available on approved credit to qualified customers through Toyota Financial Services and participating Scion dealers Not all customers will qualify.

Scion Solutions College Graduate Lease

SCION SOLUIONS COLLEGE GRADUATE LEASE
We want to help you get the keys to a new Scion. After all, you've worked hard and now it's time to enjoy the payoff. The Scion Solutions College
Graduate Lease Program [1] can help make it easier for you to get into the
Scion of your choice.

LOOK AT THESE BENEFITS:
$400 towards the lease of a new Scion to qualifying graduates[2]
Waived security deposit
Complimentary Roadside Assistance for one year

HERE'S AN EXAMPLE OF WHAT THE TOTAL AMOUNT AT LEASE SIGNING MAY BE:
Lease a 2007 Scion tC Manual Transmission at $260.00/per month for 48
months. Total payments: $12,480. [3]

Due at Lease Signing:
First monthly payment - $260.00
Acquisition Fee - $400.00
Refundable Security Deposit - $300

Excludes tax, title, license, and registration fees.

TO QUALIFY FOR THE SCION SOLUTIONS COLLEGE GRADUATE LEASE PROGRAM, YOU'VE GOT TO MEET THE FOLLOWING CRITERIA:

Graduation - Proof that you have graduated from an accredited four-year college, university, or registered nursing degree program during the last two years or will graduate from such a school/program within the next six months, or Proof that have graduated from an accredited two-year college during the last two years, or Proof that you are enrolled in an accredited graduate degree program or have received a degree from an accredited graduate degree program during the last two years. Job - Show proof of future employment, with a start date within 120 days of your purchase. Toyota Financial Services (TFS) must deem your salary sufficient to cover living expenses and vehicle payments.
Insurance - Bring proof of collision insurance, as required by TFS.
See your dealer for details.

ALSO IMPORTANT TO NOTE:
Minor credit lapses may be allowed. Obligations paid within 60 days or less of the due date and non-credit related (e.g., rent, utilities, health club membership, etc.) charge-offs less than $250 are acceptable. Other restrictions apply. See your dealer for details.

Program not available in Alabama, Florida, Hawaii, Georgia, North Carolina, and South Carolina. In all of those states, other than Hawaii, similar programs may be available through participating Scion dealers and World Omni Financial Corp. See your participating Scion dealer for details. Program is available on approved credit to qualified customers through Toyota Financial Services and participating Scion dealers Not all customers will qualify.

Toyota Financial Services is a service mark of Toyota Motor Credit
Corporation.toward the lease of a new Scion to qualifying graduates  [4]

Scion Solutions iFinance Program

SCION SOLUTIONS iFINANCE PROGRAM
For those of you with limited credit history, you may have a tough time trying to lease a vehicle, but Toyota Financial Services has a program designed especially to help you. If you qualify, the Scion Solutions iFinance Lease Program allows you to drive off in a new Scion, without a co-lessee.

Here's the criteria you need to meet:

>    Credit Line. One satisfactory trade line open for one year ($500 minimum) and no negative credit history.
>    References. Five personal and verifiable references.
>    Employment.      A full-time job, which you've held for at least six months.
>    Sufficient Income. Your income must be enough to cover ordinary living expenses and vehicle payments, and be consistent and verifiable. Your monthly payment may not exceed a certain percentage of your gross monthly income.
>    Vehicle Insurance. You must show verifiable proof of insurance, as required under the terms of your contract.See your dealer for details.

TAKE A LOOK AT THIS EXAMPLE FOR WHAT YOUR TOTAL AMOUNT DUE AT LEASE SIGNING COULD BE:
Lease a 2007 Scion tC Manual Transmission at $302.00/per month for 48
months. Total payments: $14,496. [1]

Due at Lease Signing:
First monthly payment $302.00
Acquisition Fee $400.00
Refundable Security Deposit $350
Excludes tax, title, license, and registration fees.

DISCLAIMER

Scion Military Rebate Program

SCION MILITARY REBATE PROGRAM
In appreciation of all you do, Scion is offering a special $400 rebate to
eligible active duty personnel. [1]

To qualify for the Scion Military Rebate Program, you must meet the following criteria:

REQUIREMENTS
Eligible customers must be on current active duty status in the U.S. Military (Navy, Army, Air Force, Marines, National Guard, Coast Guard and active Reserve)

Verifiable proof of military status or proof of active service is required at time of purchase in the form of the following documentation:
>    Leave and Earning Statement
>    Military Orders including Call to Active Duty Letter within one month of departure
>    Military Identification Card
>    Non active duty Reserve or Retired Military Personnel are not eligible for the rebate
>    Receive a salary sufficient to cover ordinary living expenses and vehicle payments
>    Upon credit approval by Toyota Financial Services.

DISCLAIMER

Other Lease Options

OTHER LEASE OPTIONS
TFS has created a variety of options to suit your specific needs. Check out your choices:

1.PAY LEASE
Prepay and pay less. The 1 Pay Lease Program allows you to prepay all monthly payments upfront in a single payment.

2.LOW MILEAGE LEASE
If you drive 12,000 miles or less a year, you may be eligible for lower monthly payments with our Low Mileage Lease Program. All new Scions are eligible for 36-60 month lease terms.

3.MULTIPLE SECURITY DEPOSITS
Reduce your monthly payments by paying additional security deposits at the time of lease signing (not available in New York).

DISCLAIMER

Current Lease Payments

CURRENT LEASE PAYMENTS
Take advantage of these current lease rates offered through your participating Scion dealer and Toyota Financial Services. There are quite a lot of details to mull over, so get ready for a little reading:

LEASE A 2009 SCION XB MANUAL TRANSMISSION
$239.00/per mo./48 mos.
$889.00 Due at Lease Signing
(Includes first monthly payment, and acquisition fee. No security deposit required. Excludes tax, title, license, and registration fees.)
On approved credit for well qualified lessees.

[1] DISCLAIMER

LEASE A 2009 SCION TC MANUAL TRANSMISSION
$263.00/per mo./48 mos.
$913.00 Due at Lease Signing
(Includes first monthly payment and acquisition fee. No security deposit required, Excludes tax, title, license, and registration fees.)
On approved credit for well qualified lessees.

[2] DISCLAIMER

LEASE A 2009 SCION XD MANUAL TRANSMISSION
$221.00/per mo./48 mos.
$871.00 Due at Lease Signing
(Includes first monthly payment, required security deposit, and acquisition fee. Excludes tax, title, license, and registration fees.)
On approved credit for well qualified lessees.

[3] DISCLAIMER

Did You Know

DID YOU KNOW
Credit history not exactly where you'd like it to be? You may still qualify for a lease if you apply for credit with a co-applicant.

CO-APPLICANTS
Finding a co-lessee may help boost your application for financing. If approved, each of you is liable for the entire amount of the credit that was extended. The benefit to applying with a co-applicant? The payment amount will be based in part on the credit score of the applicant with the cleaner credit history.

Finance & Lease

Protect Your Scion

Credit Essentials

Boy Meets Car

Protect Your Scion

Extended Service Coverage

Extended Service Coverage

Consider supplementing your vehicle's factory warranty with a Vehicle Service
Agreement (VSA). [1] Toyota Financial Services offers three different vehicle
protection plans for your new vehicle, all designed to help protect you from the costs of unanticipated covered repairs.

CHECK OUT THESE VSA BENEFITS:
>    Convenience. When your vehicle needs servicing for covered repairs, take it to any participating Scion or Toyota dealer throughout the U.S. and Canada.
>    Quality. Factory-trained service technicians use the latest diagnostic tools and genuine parts.
>    Towing, Substitute Transportation, Travel Protection. When the unexpected
happens, we've got you covered. [2]
>    Options. Choose coverage and terms (years/miles) that match your
needs. [3]
>    No Paperwork. We pay the dealer directly so you don't have to worry about
submitting claims for covered repairs.
>    Transferability. Sell your vehicle and transfer the plan's remaining
 coverage to the next owner. [3a]
>    Easy Payments. Include the cost of your VSA in your finance or lease
contract (subject to credit approval).
>    Choice of Deductibles. Choose from $0 or $50 deductible options.  [4]

Platinum Protection

Platinum Protection
Our highest level of extended service coverage for virtually every component group in your vehicle. Coverage terms range from 3 years/50,000 total vehicle miles to 7 years/100,000 total vehicle miles.

These Suggested Retail Prices are not applicable in the state of Florida and are not effective in Pennsylvania for Vehicle Service Agreements that are financed on retail installment sales contracts. Please contact your local dealer for further
information. [1] Time and mileage coverage periods are measured from the date the vehicle was first delivered into service as a new vehicle and zero miles. It expires upon reaching your selected time or mileage of the coverage period, whichever occurs first. [2] Under $50 deductible plans, you pay $50 per visit for covered repairs. The deductible applies to each eligible repair visit

SCION xB TERMS AND SUGGESTED RETAIL PRICE COVERAGE TERM

SCION xB TERMS AND SUGGESTED RETAIL PRICE COVERAGE TERM

SCION tC AND xD TERMS AND SUGGESTED RETAIL PRICE COVERAGE TERM

Gold Protection

Gold Protection
Provides extended service coverage for most major components. Coverage terms range from 3 years/80,000 total vehicle miles to 7 years/100,000 total vehicle miles.

These Suggested Retail Prices are not applicable in the state of Florida and are not effective in Pennsylvania for Vehicle Service Agreements that are financed on retail installment sales contracts. Please contact your local dealer for further
information. [1] Time and mileage coverage periods are measured from the
date the vehicle was first delivered into service as a new vehicle and zero miles. It expires upon reaching your selected time or mileage of the coverage period,
whichever occurs first.[2] Under $50 deductible plans, you pay $50 per visit for
covered repairs.The deductible applies to each eligible repair visit

SCION xB TERMS AND SUGGESTED RETAIL PRICE COVERAGE TERM

SCION tC AND xD TERMS AND SUGGESTED RETAIL PRICE COVERAGE TERM

Powertrain Protection

Platinum Protection
Features extended service coverage for engine, transmission, and axle-assembly components. Provides coverage for 6 years/100,000 total miles.

These Suggested Retail Prices are not applicable in the state of Florida and are not effective in Pennsylvania for Vehicle Service Agreements that are financed on retail installment sales contracts. Please contact your local dealer for further
information. [1] Time and mileage coverage periods are measured from the
date the vehicle was first delivered into service as a new vehicle and zero miles. It expires upon reaching your selected time or mileage of the coverage period,
whichever occurs first.[2] Under $50 deductible plans, you pay $50 per visit for
covered repairs.The deductible applies to each eligible repair visit

SCION xB TERMS AND SUGGESTED RETAIL PRICE COVERAGE TERM

SCION tC AND xD TERMS AND SUGGESTED RETAIL PRICE COVERAGE TERM

Guaranteed Auto Protection

If your vehicle is declared a total loss, your auto insurance company may not cover the amount needed to pay off your finance or lease contract. Auto insurance companies will generally pay the market value of the vehicle, minus the auto insurance deductible (if applicable). So, who pays the remainder?

You do... unless you have Guaranteed Auto Protection (GAP).[1]

GAP is designed to protect you from an unexpected financial obligation if your vehicle is declared a total loss from causes such as theft, accident, fire, or flood. The GAP program will pay the difference between your vehicle's market value and the balance on your finance or lease contract, including up to $1,000 of your auto insurance deductible (if applicable) in most states.

GAP is available only at the time of vehicle purchase
or lease. Ask your Scion dealer for GAP. [6] The price
of your GAP will be agreed upon by you and your dealer. Please see your Scion dealer regarding terms, restrictions, and state eligibility.

GAP SUGGESTED RETAIL PRICE [7]
>    xB:    From $490 to $795
(Depending on the term of finance or lease contract)
>    tC:    From $490 to $795
(Depending on the term of finance or lease contract)
>    xD:    From $490 to $795
(Depending on the term of finance or lease contract)
For GAP customer service, call 1-800-255-8713.

<font color = "#FFFF00">HOW GAP WORKS </font><font color = "#999999">( FOR ILLUSTRATIVE PURPOSES ONLY )</font>

Payment Protection

If you're ever unable to meet your financial obligations, credit insurance payment protection programs help ensure that
you're still able to make your payments and keep your car.  [1]

Toyota Financial Services and your Scion dealer offer two types of credit insurance payment protection programs:

CREDIT LIFE INSURANCE
If you should die while covered by Credit Life Insurance, the insurance company may pay the covered balance due on your finance or lease contract during the term of insurance (up to specified limits). Joint coverage is also available. If both parties insured under joint coverage die, only one benefit is payable.

CREDIT DISABILITY INSURANCE
If you become disabled while covered by Credit Disability Insurance, the insurance company may pay the covered monthly balance due on your finance or lease contract during the term of insurance (up to specified limits). Joint coverage is also available. To file a disability claim, hospitalization is not required. Coverage includes injuries that occur at work, as well as outside of work.

THE DETAILS
>    How to apply:
Ask for it at your Scion dealer when you finance or lease your vehicle. [2] Your dealer can incorporate the charge for
payment protection into your monthly payment.
>    No physical exam required to apply:
As part of the application process, however, you will be asked to answer some health-related questions.
>    Other insurance coverage:
Benefits are payable, regardless of other insurance coverage you may have.
>    How to file a claim:
Contact the Scion Dealership where you purchased or leased your vehicle.

Finance & Lease

Credit Essentials

Financial Programs

Boy Meets Car

ONE GUY'S STORY
Okay, so now's the moment you've been prepping for: going to the dealership.

To better understand the process of buying or leasing a new car, especially if this is your first time, here's a simple roadmap to help get you behind the wheel of your very own Scion.

Boy Meets Car

Finance & Lease

Protect Your Scion

Financial Programs

Credit Essentials