1. Offline

    TwztdKitty New Member

    Member Since:
    May 5, 2012
    Posts:
    1
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    Location:
    New York
    Your Vehicle Year:
    2012 Prius c
    Model:
    N/A
    I checked out the C1 today at the New Rochelle Toyota dealership. They priced the C1 at $19935. The total after taxes and fees was $21,801.73. I have a 784 credit score and was told an interest rate of 4.33% was the best they could do. With $2000 down my monthly payments are going to be $317 for 72 months.

    Does this sound good, or should i do a bit more shopping around? They told me the C is selling for over MSRP because of the high demand.
  2. Offline

    gps79 New Member

    Member Since:
    May 6, 2012
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    Location:
    Philadelphia, PA
    Your Vehicle Year:
    Other Non-Hybrid
    Model:
    N/A
    I would advise you to check with your bank or credit union. Personally I am in favor of credit unions, right now my credit union's rate for an auto loan is either 2.5% or 3.25%, depending on credit scores. Dealerships will not give you the best rate off the bat, you have to make them compete, they will usually beat any competitor's rate, but you have to show them the rate. I would search around, I think you can do better. Good luck! :cheer2:
  3. Offline

    theprius Junior Member

    Member Since:
    May 26, 2011
    Posts:
    34
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    3
    Location:
    NY
    Your Vehicle Year:
    2011 Prius
    Model:
    III
    Its seems like any time you buy something in New York, the dealership always tries to overcharge, and I don't blame them.

    However I think you can get a better deal. I bought my Prius at MSRP when there were only 2 left on the lot and they were going 3000 over sticker after the tsunami. My credit score was slightly lower than yours and I got a 4.00% interest rate.

    If I could do it again I would buy my vehicle at Greenfield toyota in massachusetts. Troy set me up with a great deal on a warranty. After being coaxed into buying it for much more at the dealership against my better judgement. I actually said I wanted to shop around and they gave me a little better deal but not much. Ended up losing some $$ in that specific transaction at the original dealership.
    1 people like this.
  4. Offline

    cwerdna Senior Member

    Member Since:
    Sep 4, 2005
    Posts:
    12,212
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    Location:
    SF Bay Area, CA
    Your Vehicle Year:
    2006 Prius
    Model:
    N/A
  5. Offline

    nitewolfgtr Junior Member

    Member Since:
    Apr 16, 2007
    Posts:
    61
    Likes Received:
    1
    Location:
    Owasso, OK
    Your Vehicle Year:
    2012 Prius
    Model:
    Four
    I have 760+ credit score and bought a 2012 Prius 4 at 1.9% 60mos with toyota financial services back in march. I was only able to get after asking dealer if they could beat my offer from my USAA bank at 2.24%.
  6. Offline

    massparanoia Active Member

    Member Since:
    Mar 27, 2012
    Posts:
    697
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    466
    Location:
    Virginia
    Your Vehicle Year:
    2011 Prius
    Model:
    Three
    ^They had the promo rates back then to help burn the rest of the 11's I think. I don't think TFS has those anymore. Capital one is 2.99 right now.
  7. Offline

    andrewa New Member

    Member Since:
    Apr 27, 2012
    Posts:
    38
    Likes Received:
    1
    Location:
    San Antonio, Texas
    Your Vehicle Year:
    2012 Prius c
    Model:
    Two
    First time car buyer, and I was able to get my car for 3.5%. Plus @ MSRP...
  8. Offline

    SinisterSpatula Junior Member

    Member Since:
    Apr 4, 2012
    Posts:
    42
    Likes Received:
    6
    Location:
    Las Vegas, NV
    Your Vehicle Year:
    2012 Prius c
    Model:
    Two
    Ok, I'm jealous. My first time car loan was at 26%. It's only now after many years of building my credit that I was able to get 2.3%. Your first car loan ever and your already at 3.5%? Life just isn't fair.
  9. Offline

    massparanoia Active Member

    Member Since:
    Mar 27, 2012
    Posts:
    697
    Likes Received:
    466
    Location:
    Virginia
    Your Vehicle Year:
    2011 Prius
    Model:
    Three
    ^26%? Usury laws must suck in Nevada.
  10. Offline

    andrewa New Member

    Member Since:
    Apr 27, 2012
    Posts:
    38
    Likes Received:
    1
    Location:
    San Antonio, Texas
    Your Vehicle Year:
    2012 Prius c
    Model:
    Two
    I could have also gotten later, but I wanted my 3 months of no payments. ^_^



    Plus, all rates are their lowest since. 1.9% or 2.9% is what people with established credit are getting.
    1 people like this.
  11. Online

    SageBrush Senior Member

    Member Since:
    Jun 4, 2008
    Posts:
    8,555
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    1,621
    Location:
    New Mexico
    Your Vehicle Year:
    2012 Prius v wagon
    Model:
    Two
    Who cares what the dealer says.

    Penfed.org auto loan rate is 1.99%
  12. Offline

    Valborg Member

    Member Since:
    Apr 2, 2012
    Posts:
    25
    Likes Received:
    1
    Location:
    Virginia
    Your Vehicle Year:
    2012 Prius c
    Model:
    Four
    I don't think C's are in such high demand that they should sell from over msrp. I suggest doing some more research and shop around to get a better deal. I know some places like USAA, Costco, and my bank, Navy Federal Credit Union have auto buying services that can help you locate the C you want for under msrp. Good luck in finding your C.
  13. Offline

    hoddy4 New Member

    Member Since:
    Jun 8, 2009
    Posts:
    120
    Likes Received:
    13
    Location:
    NC
    Your Vehicle Year:
    2012 Prius v wagon
    Model:
    Three
    Bank of America would do 2.89% for 72 months a couple months ago with the same credit score. Just apply online.

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