Everyone loves a Toyota. This Matrix is a roomy fuel efficient fun crossover SUV. $1500 down , a good job and some credit history good or not so good should make an affordable payment for you. I am an automobile broker and have over 100 vehicles on the ground for sale at many locations. I also can arrange financing for you. Using an Automobile Broker, me, you only have to explain your persoanl situation and finances ONCE. You do not have to waste your time going from dealer to dealer and hoping that you get a decent salesperson. Save Time... Save money... and get the best financing rate that you qualify for without airing your laundry! So Credit from A plus to Absolutely Horrible - give me a call. It's your move....