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Is the quoted $27,500 including tax(remember its 13% with HST) and all ancillary fees? If so, then at least that's a decent enough discount if the mileage is low. A new 2014 including freight/PDI, taxes, dealer fees, etc. is roughly $31,000. Each dealer should print out a sort of invoice detailing all the fees they're charging you, this is where you do have a lot more room to negotiate including getting rid of the global-i charge($400), anything that looks remotely suspicious? Question it with extreme prejudice. As for negotiating the price of the car, I don't recall if Scion's pure pricing affects a used one, it doesn't hurt to try though.
Sorry I can't help you on the financing question, as this is not the route I took.
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