Quote:
Originally Posted by yUme
Never use dealer finance options if you can help it. Even the crappiest credit union will give you a better loan. My credit union got me 2% lower then the dealer. Scion didn't even try to beat it.
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I think it might be misleading to say no to dealer options. Most of the time the Toyota/Scion Financial Services option will not be the best. However, dealers are not forced to use them.
My dealer found me a loan with 2% lower APR than the cheapest rate I could found myself through a bank the dealer had partnerships with.
Some dealers work exclusively with TFS, others actually try to find you a good deal through partnering banks.