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2022 Lexus RX350 F Sport Final price (including taxes and fees): $64,581 Toyota Motor Credit Options 48 10% 1.49% Term in Months Down Payment Interest Rate Monthly Payment Total Interest Paid Total Cost Or she can take a $7,000 Cash Allowance and use the Credit Union Term in Months Cash Allowance Down Payment Interest Rate Monthly Payment Total Interest Paid Total Cost after Cash Allowance 60 10% 1.99% PenFed Credit Union Financing Options 60 $7,000 5%* 3.24% 48 $7,000 5%* 2.49% 72 10% 2.49% 72 $7,000 5%* 3.49% Auto Questions: Which option is the least costly? Most costly? If they pay off the Sonic, how much could they swing in car payments? Which option would you recommend based on your answer? What options does Latoya have in the used car market? Should Latoya finance at PenFed or at the Dealership with Toyota Financing? What other costs might change with a new vehicle? 2022 Lexus RX350 F Sport Final price (including taxes and fees): $64,581 Toyota Motor Credit Options 48 10% 1.49% Term in Months Down Payment Interest Rate Monthly Payment Total Interest Paid Total Cost Or she can take a $7,000 Cash Allowance and use the Credit Union Term in Months Cash Allowance Down Payment Interest Rate Monthly Payment Total Interest Paid Total Cost after Cash Allowance 60 10% 1.99% PenFed Credit Union Financing Options 60 $7,000 5%* 3.24% 48 $7,000 5%* 2.49% 72 10% 2.49% 72 $7,000 5%* 3.49% Auto Questions: Which option is the least costly? Most costly? If they pay off the Sonic, how much could they swing in car payments? Which option would you recommend based on your answer? What options does Latoya have in the used car market? Should Latoya finance at PenFed or at the Dealership with Toyota Financing? What other costs might change with a new vehicle