If nothing else, talk to @HeubergerMotors to get a reasonable baseline. There have been plenty of LA owners that shipped out of state from that dealer

84 months? Damn. Also to add to the stink around this deal, when I talked with my dealer they made it very clear that you cannot get the college grad rebate for anything over 60 months.
If you are not dead-set on new get used. I almost got a used 2013 for 22k (this was April 2013) but someone bought it right under me before I bought mine new. It saves a ton of money, and with CPO you have a better warranty than buying new. If you do not have a huge down payment (which it sounds like you do not) this is a good way to get it well within the monthly payments you want without stretching to a 6-7 year loan.

I looked them up, and it's a Subaru dealer. Do they also have Scion's?

Use the internet. Email every dealership near you. Tell them what your looking for. Ask them what kind of financial incentives are available. Talk to your personal bank or Credit Union. Find out what their car loan rates are. Try Penfed.org. You can be member of Penfed.org if you donate $15-30 iirc. I recently purchased a used car at 1.49% for 60 months through them. Also .... buying a CPO 86 isn't bad if you're not financially able to buy a new car. Makes better financial sense.

Good luck with your search.

Don't think they do, but I went with Subaru because they quoted a price for limited trim for the same you get sticker price at Scion. If you go the premium route you may end up getting better bang for your buck. Search forum for differences on frs versus brz premium

Whoa didnt know toyota apr went that high lol. They're totally screwing you. The 1.9% is usually on last years model. Unless that's a quote on a 2015, WAIT until they come out. Which is what? 2-3 months from now? Any remaining 2013 will probably be 0.9% and 2014 will be 1.9%.

I was well above tier 1 and I got quote around 2.45% on my monogram. Have you been working with a steady income though? If you can't prove a steady income, short credit history, and if you have student loans to pay off, that could explain a higher rate.

Try another dealer, and DON'T give them any numbers. NEVER tell them your budget or what you're comfortable paying, and make sure you include insurance in your calculations! Ask them to give you quotes based on theoretical down payments/length of payment and just tell them to assume you're in tier 1. That's what I did. My salesman only had my full name and email. Didn't give him my cell # until I was content with some of the basic #'s.

Try another local dealership and tell them you're interested in a whiteout manual, they can, and probably will, just trade with the stealership you're working with now. DON'T let them know you already talked to them so they can still work out the BEST deal otherwise they will just "beat" that already crap deal slightly. Also if the new dealership does pull the trade through, try and see if they can allow you to pick it up so they don't have to deliver. Make sure they DON'T prewash your car so they can't mess it up. It'll be that much more rewarding when you can rub it in their faces by driving off their greedy lot. gl!

FYI if you wanna go brz, try costco, hands down the cheapest for the MY i found. My roommate went costco for his wrx, and they never even checked if he had a membership but ymmv...he got it for $200 less than the sticker. No haggling at all though.

too bad the frs isn't in the costco program.

http://www.scion.com/promotions/aprpromotion/

Agreed with everyone else, if you have good credit you shouldn't be getting quoted over 3%

Never give them a 'budget', always negotiate solely price of the vehicle and apr, everything else falls from that, never take options as $x/month, always the whole price.

Probably not a Toyota loan. Probably a loan from local finance that the salesman/dealership gets a kickback from.

I just did this exactly, and got rates as low as 1.9 with the College Grad Rebate.

Do you think it will make a huge difference when the '15 comes out?

I would still want the '14 model though, the '13 headunit just annoys the piss outta me. But yeah. I think I'll wait till the '15s are on the lots, and see what they can give me for the '14 model.

No, no, no. That interest rate is too high. How terrible is your credit? Low credit score?

I was told I had Tier 1 Credit, so that's what confused me also. Unless they were yanking my chain, but that wouldn't add up.

Point is, I'm not going through with that one. So no worries.

How old are you OP?

The late '13s had the same head unit as the 2014s. So maybe you could even find one of those.