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Correct me if im wrong but i dont think your credit plays a big role in the interest you get, my local scion give you a str8 up finance 5.5% rate. You can also lease them now too i think. What my father told me is that if i wanted a TC it would be better to go through a bank and possibly get a lower interest loan. Thats my experience anyways, I would kinda of like to know how it works also and how the options work because when i go to my local scion lot what they have is what you get, is what i was basically told, the rest has to be ordered if you want it.
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