Originally Posted by ack154

I'm still at 6.15% through TFS, from when I used the college grad program over 4 years ago. Only got a $400 rebate with it back then. My g/f just used the same program a month or two ago and got like 7.2% or something, but this time with $1000 rebate.

That's the biggest rebate/incentive you'll find on ANY Scion. And I'm not sure why people knock TFS... they're just going by your credit. If it sucks, you'll get a sucky rate. Just like ANY other financial institution. Worst case, finance through TFS to get the rebate and then refinance with your credit union if they can do better.