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ruskymx,
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As far as Scion goes, money factors are posted in the showroom and on the dealer's website.
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That is awesome. I wish all dealers were required by law to do this. I have seen friends and family get fleeced by my a high money factor and had no clue they were paying the equivalent of 14% or so interest on their lease.
Kudos for Scion for doing this. And the moneyfactor you posted is very fair.