2002 Toyota Highlander Xlt-fx4

List price is retail book as equipped - special price is my price which is usually MUCH lower. , , If you have bad or no credit it will take around $1,800 down to finance., , Please note that the "special" price is often not applicable with alternative finance. What is alternative finance??? Alternative or Special Finance is finance provided for people whose circumstances make it difficult for them to get a conventional loan. That could mean bad or no credit, a job that does not provide a pay stub, history of bankruptcy and/or repossesion etc. In these cases the bank or finance company sets the price of the vehicle. Since my cars are competitively priced to begin with it is typically a much better value than going to a "Buy Here Pay Here" lot. Plus it is a real loan that builds real credit.