Finance rates change periodically without prior notice, and is regulated by Toyota Financial Services. APR rates are determined by the applicants credit score, and is subject to approval. Texas Scion will be glad to provide you with your score, and show you which zone your credit falls into. Please contact Texas Scion of Grapevine for details. All loans subject to approval by Toyota Motor Financial services or whichever financial institution your loan is approved though.APR may vary if the Amount Financed exceeds TFS's Maximum Advance for the contract, your FICO score is below 520 and/or you apply for 72-84 month financing. Ask your dealer to explain how APRs vary for FICO scores below 520 and 72-84 month financing.Maximum Advance means the total amount financed less cancelable optional products financed with the vehicle, expressed as a percent of dealer invoice (new). Finance contracts with Maximum Advances of over 120% for applicants with FICO Scores of more than or equal to 650 or over 100% for FICO scores of less than 650 will result in an increase of the APR by .25 or .50 respectively.