What FICO Score Does Toyota Financial Use To Approve Loans?

The FICO score Toyota Financial Services uses plays a crucial role in your auto loan approval; at millertoyota.net, we will explore how to navigate this process successfully and drive away in your dream Toyota. Understanding the FICO score and its impact will empower you to make informed decisions. A better credit score can unlock more favorable financing terms and potentially lower your monthly payments.

1. What Is A FICO Score And Why Does It Matter For Toyota Financing?

A FICO score is a three-digit number that assesses your creditworthiness, and it significantly impacts your ability to secure financing with Toyota Financial Services. Your FICO score is crucial because it reflects your credit history, influencing the interest rate, loan terms, and overall approval odds when financing a vehicle through Toyota Financial Services.

1.1 Understanding the FICO Score Range

FICO scores typically range from 300 to 850, with higher scores indicating better creditworthiness. Here’s a general breakdown of the FICO score ranges:

Exceptional (800-850): These borrowers are considered the least risky and typically qualify for the best interest rates and loan terms.
Very Good (740-799): Borrowers in this range are also viewed favorably and have a high chance of approval with good terms.
Good (670-739): This is considered an average score, and borrowers may still qualify for financing, but the interest rates might be slightly higher.
Fair (580-669): Borrowers in this range are seen as riskier, and lenders may offer higher interest rates or require additional conditions for approval.
Poor (300-579): Borrowers with poor credit scores may find it challenging to get approved for financing and may face very high interest rates or require a co-signer.

1.2 How FICO Scores Impact Toyota Financing

Toyota Financial Services uses your FICO score to assess the risk associated with lending you money. A higher FICO score demonstrates a history of responsible credit management, making you a more attractive borrower. This can translate into several benefits:

Lower Interest Rates: Borrowers with higher FICO scores typically qualify for lower interest rates, saving them money over the life of the loan.
Better Loan Terms: A good FICO score may allow you to negotiate more favorable loan terms, such as a longer repayment period or a lower down payment.
Higher Approval Odds: Borrowers with excellent FICO scores have a higher chance of being approved for financing, even for larger loan amounts.
Special Offers and Incentives: Toyota Financial Services may offer special promotions or incentives to borrowers with strong credit profiles.

1.3 The Importance of Checking Your Credit Report

Before applying for financing with Toyota Financial Services, it’s crucial to check your credit report for any errors or inaccuracies. According to a study by the Federal Trade Commission (FTC), approximately 5% of consumers have errors on their credit reports that could negatively impact their credit scores. Reviewing your credit report allows you to identify and dispute any incorrect information, potentially improving your FICO score. You can obtain a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) annually by visiting www.annualcreditreport.com.

1.4 FICO Score Factors

The FICO score is calculated based on several factors, each weighted differently:

Payment History (35%): This is the most critical factor, reflecting whether you’ve made past payments on time.
Amounts Owed (30%): This considers the total amount of debt you owe and your credit utilization ratio (the amount of credit you’re using compared to your total available credit).
Length of Credit History (15%): A longer credit history generally indicates a more stable credit profile.
Credit Mix (10%): This assesses the variety of credit accounts you have, such as credit cards, loans, and mortgages.
New Credit (10%): Opening too many new credit accounts in a short period can negatively impact your score.

1.5 What to Do If Your FICO Score Is Not Ideal

If your FICO score is not where you’d like it to be, don’t worry. There are steps you can take to improve it over time:

Pay Bills on Time: Make all your payments on time, every time.
Reduce Debt: Pay down your outstanding balances, especially on credit cards.
Keep Credit Utilization Low: Aim to use no more than 30% of your available credit.
Avoid Opening Too Many New Accounts: Opening several accounts over a short time can lower your score.
Monitor Your Credit Report: Regularly check your credit report for errors and dispute any inaccuracies.

At millertoyota.net, we understand that everyone’s financial situation is unique. Our finance team is dedicated to working with you to find the best possible financing options, regardless of your credit score. We can help you explore alternative financing solutions and provide guidance on improving your credit profile for future purchases.

2. What Is The Minimum FICO Score Required By Toyota Financial Services?

There’s no universally published minimum FICO score required by Toyota Financial Services; however, a score of 660 or higher often increases your chances of approval. While a higher score generally leads to more favorable terms, Toyota Financial Services considers various factors beyond just your FICO score.

2.1 Factors Beyond Your FICO Score

Although your FICO score is a critical component, Toyota Financial Services assesses other factors to determine your creditworthiness. These include:

Income and Employment History: A stable income and consistent employment history demonstrate your ability to repay the loan.
Debt-to-Income Ratio (DTI): This ratio compares your monthly debt payments to your gross monthly income. A lower DTI indicates that you have more disposable income to cover your loan payments.
Down Payment: A larger down payment reduces the loan amount, which can lower the lender’s risk.
Vehicle Type and Loan Term: The type of vehicle you’re financing and the length of the loan term can also influence the approval process.
Credit History: The length and depth of your credit history play a role in assessing your creditworthiness. A longer, more established credit history can be beneficial.

2.2 Understanding Credit Tiers

Toyota Financial Services often categorizes applicants into different credit tiers based on their overall credit profile. These tiers may include:

Prime: Borrowers with excellent credit scores and strong credit histories.
Near-Prime: Borrowers with good credit scores and some minor blemishes on their credit reports.
Subprime: Borrowers with fair or poor credit scores and a higher risk of default.

The credit tier you fall into will affect the interest rate, loan terms, and potential down payment requirements.

2.3 Tips for Applicants with Lower Credit Scores

If you have a lower credit score, there are steps you can take to improve your chances of approval:

Increase Your Down Payment: A larger down payment can offset the risk associated with a lower credit score.
Reduce Your Debt-to-Income Ratio: Paying down existing debts can improve your DTI and make you a more attractive borrower.
Consider a Co-Signer: A co-signer with a strong credit history can provide additional security for the lender.
Shop Around for the Best Rates: Compare offers from different lenders to find the most favorable terms.

At millertoyota.net, we work with a variety of lenders to offer financing options for customers with diverse credit profiles. Our finance experts can help you explore your options and find a solution that fits your budget.

3. How Does Toyota Financial Determine Interest Rates Based on FICO Score?

Toyota Financial Services determines interest rates based on your FICO score by assessing the risk you represent as a borrower; a higher FICO score typically translates to a lower interest rate due to the reduced risk of default. The interest rate is directly correlated to your creditworthiness, which is primarily reflected in your FICO score.

3.1 The Relationship Between FICO Score and Interest Rates

Lenders, including Toyota Financial Services, use a tiered system to determine interest rates based on FICO scores. Borrowers with higher FICO scores are considered less risky and are therefore offered lower interest rates. Conversely, borrowers with lower FICO scores are seen as riskier and are charged higher interest rates to compensate for the increased risk of default. The difference in interest rates between credit tiers can be significant, potentially costing borrowers with lower scores thousands of dollars over the life of the loan.

3.2 Factors Influencing Interest Rates

While your FICO score is a primary determinant of your interest rate, other factors can also play a role:

Loan Term: Shorter loan terms typically come with lower interest rates, while longer loan terms may have higher rates.
Loan Amount: The amount you borrow can also influence the interest rate. Larger loan amounts may be subject to higher rates.
Down Payment: A larger down payment can reduce the loan amount and potentially lower the interest rate.
Vehicle Type: The type of vehicle you’re financing can also affect the interest rate. New vehicles may qualify for lower rates than used vehicles.
Market Conditions: Interest rates are also influenced by broader economic factors, such as the prevailing interest rates set by the Federal Reserve.

3.3 Understanding APR (Annual Percentage Rate)

When evaluating financing options, it’s essential to focus on the APR, which represents the total cost of the loan, including interest and any fees. The APR provides a more accurate picture of the overall cost of borrowing than the interest rate alone. Be sure to compare APRs from different lenders to find the most competitive offer.

3.4 Strategies for Securing a Lower Interest Rate

If you’re looking to secure a lower interest rate on your Toyota financing, consider the following strategies:

Improve Your FICO Score: Take steps to improve your credit score before applying for financing.
Make a Larger Down Payment: A larger down payment can reduce the loan amount and potentially lower the interest rate.
Choose a Shorter Loan Term: Shorter loan terms typically come with lower interest rates.
Shop Around for the Best Rates: Compare offers from multiple lenders to find the most competitive APR.
Consider a Co-Signer: A co-signer with a strong credit history may help you qualify for a lower interest rate.

At millertoyota.net, we are committed to transparency and helping our customers understand their financing options. Our finance team will work with you to explore all available options and find the best possible interest rate for your situation.

4. Can You Get Approved For Toyota Financing With Bad Credit?

Getting approved for Toyota financing with bad credit is possible, though it typically involves higher interest rates and stricter terms; Toyota Financial Services offers options for customers with less-than-perfect credit, but it’s important to be prepared. While it may be more challenging, it’s not impossible to secure financing for your dream Toyota.

4.1 Understanding Bad Credit Financing

Bad credit is generally defined as a FICO score below 580. Borrowers in this range are considered high-risk, and lenders typically charge higher interest rates to compensate for the increased risk of default. Bad credit financing options may also come with stricter terms, such as larger down payment requirements or shorter loan terms.

4.2 Toyota Financial Services Options for Bad Credit

Toyota Financial Services offers programs designed to assist customers with bad credit. These programs may include:

Special Financing Programs: Toyota Financial Services may offer special financing programs for borrowers with credit challenges.
Subprime Lending: Toyota Financial Services works with subprime lenders that specialize in providing financing to borrowers with less-than-perfect credit.
Guaranteed Credit Approval: In some cases, Toyota dealerships may offer guaranteed credit approval programs, but these programs often come with higher interest rates and fees.

4.3 Tips for Securing Financing with Bad Credit

If you have bad credit, there are steps you can take to improve your chances of approval:

Increase Your Down Payment: A larger down payment can offset the risk associated with bad credit and increase your chances of approval.
Reduce Your Debt-to-Income Ratio: Paying down existing debts can improve your DTI and make you a more attractive borrower.
Consider a Co-Signer: A co-signer with a strong credit history can provide additional security for the lender.
Shop Around for the Best Rates: Compare offers from different lenders to find the most favorable terms.
Be Realistic About Your Budget: Choose a vehicle that you can comfortably afford, even with a higher interest rate.

4.4 Rebuilding Your Credit

Securing financing with bad credit can be an opportunity to rebuild your credit. By making timely payments on your auto loan, you can gradually improve your credit score over time. Consider these strategies for rebuilding your credit:

Make Timely Payments: Pay your auto loan on time, every time.
Avoid Late Fees: Set up automatic payments to ensure you never miss a payment.
Monitor Your Credit Report: Regularly check your credit report for errors and track your progress.
Consider a Secured Credit Card: A secured credit card can help you rebuild your credit by reporting your payment activity to the credit bureaus.

At millertoyota.net, we believe that everyone deserves a chance to own a reliable vehicle. Our finance team is dedicated to working with customers of all credit backgrounds to find the best possible financing solutions.

5. How Can You Improve Your FICO Score Before Applying For Toyota Financing?

Improving your FICO score before applying for Toyota financing involves several key strategies focused on responsible credit management; by taking proactive steps to boost your credit score, you can increase your chances of approval and secure more favorable financing terms. Improving your creditworthiness can save you money and make your dream Toyota more attainable.

5.1 Key Strategies to Improve Your FICO Score

Pay Bills on Time: Payment history is the most significant factor in your FICO score. Make all your payments on time, every time. Consider setting up automatic payments to avoid missing deadlines.
Reduce Credit Card Debt: High credit card balances can negatively impact your credit score. Aim to pay down your balances as much as possible. A good rule of thumb is to keep your credit utilization ratio (the amount of credit you’re using compared to your total available credit) below 30%.
Avoid Opening Too Many New Accounts: Opening multiple new credit accounts in a short period can lower your score. Each new account results in a hard inquiry on your credit report, which can slightly lower your score.
Keep Old Accounts Open: Closing old credit accounts can reduce your overall available credit, which can increase your credit utilization ratio. If you have old accounts with no annual fees, consider keeping them open, even if you don’t use them regularly.
Check Your Credit Report Regularly: Review your credit report for errors and inaccuracies. You can obtain a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) annually by visiting www.annualcreditreport.com.
Dispute Errors: If you find any errors on your credit report, dispute them with the credit bureau. The bureau is required to investigate and correct any inaccurate information.
Become an Authorized User: If you have a friend or family member with a strong credit history, ask if you can become an authorized user on one of their credit cards. Their positive payment history can help improve your credit score.
Consider a Secured Credit Card: A secured credit card requires you to make a cash deposit as collateral. These cards are designed for people with bad credit or limited credit history and can help you build credit by reporting your payment activity to the credit bureaus.

5.2 How Long Does It Take to Improve Your FICO Score?

The time it takes to improve your FICO score depends on the factors affecting your credit and the steps you take to address them. Some improvements, such as correcting errors on your credit report, can have an immediate impact. Other strategies, such as paying down debt or building a positive payment history, may take several months to see significant results.

5.3 The Importance of Patience

Improving your FICO score is a marathon, not a sprint. It requires consistent effort and responsible credit management over time. Be patient and persistent, and you will eventually see positive results.

At millertoyota.net, we are committed to helping our customers achieve their financial goals. Our finance team can provide guidance on improving your credit score and offer financing options that fit your budget.

A person celebrating after checking their improved credit score online.

6. What Are The Alternatives If You Are Not Approved By Toyota Financial?

If you are not approved by Toyota Financial Services, alternative options include exploring credit unions, local banks, or online lenders; consider these alternatives to still achieve your goal of owning a Toyota, and remember that millertoyota.net is here to help you navigate these options. Being denied by one lender doesn’t mean you’re out of options.

6.1 Exploring Credit Unions

Credit unions are non-profit financial institutions that are owned and operated by their members. They often offer more favorable interest rates and loan terms than traditional banks. Credit unions may be more willing to work with borrowers who have less-than-perfect credit. To explore credit union options:

Research Local Credit Unions: Look for credit unions in your area that offer auto loans.
Check Membership Requirements: Credit unions typically require you to become a member to be eligible for a loan. Check the membership requirements and fees.
Compare Rates and Terms: Compare the interest rates and loan terms offered by different credit unions.

6.2 Considering Local Banks

Local banks may also be a good alternative to Toyota Financial Services. Local banks often have a better understanding of the local economy and may be more willing to work with borrowers in their community. To explore local bank options:

Research Local Banks: Look for local banks in your area that offer auto loans.
Talk to a Loan Officer: Schedule a meeting with a loan officer to discuss your financing options.
Compare Rates and Terms: Compare the interest rates and loan terms offered by different banks.

6.3 Investigating Online Lenders

Online lenders have become increasingly popular in recent years, offering a convenient way to apply for auto loans from the comfort of your own home. Online lenders may offer more competitive rates and terms than traditional lenders. To explore online lender options:

Research Online Lenders: Look for reputable online lenders that offer auto loans.
Compare Rates and Terms: Compare the interest rates and loan terms offered by different online lenders.
Read Reviews: Read reviews from other borrowers to get an idea of the lender’s reputation and customer service.

6.4 Other Alternatives

Co-Signer: A co-signer with a strong credit history can provide additional security for the lender and increase your chances of approval.
Personal Loan: You may be able to use a personal loan to finance your Toyota purchase. However, personal loans typically have higher interest rates than auto loans.
Leasing: Leasing a vehicle may be an option if you’re not able to secure traditional financing. However, leasing can be more expensive in the long run.

At millertoyota.net, our finance team is experienced in working with a variety of lenders to find the best financing options for our customers. We can help you explore these alternatives and find a solution that fits your budget.

7. How Does Co-Signing Affect Your Chances Of Getting Toyota Financing?

Co-signing significantly improves your chances of getting Toyota financing, especially with a lower FICO score, as it provides added security for the lender; the co-signer’s good credit history and stable income can offset the risk associated with the primary borrower’s financial situation. A co-signer can be a valuable asset in securing the financing you need.

7.1 The Role of a Co-Signer

A co-signer is someone who agrees to be responsible for the loan if the primary borrower defaults. The co-signer’s credit history and income are also considered by the lender when evaluating the loan application. A co-signer with a strong credit profile can provide reassurance to the lender, making them more likely to approve the loan.

7.2 Benefits of Having a Co-Signer

Increased Approval Odds: A co-signer can significantly increase your chances of getting approved for Toyota financing, especially if you have bad credit or limited credit history.
Lower Interest Rates: A co-signer with a good credit score may help you qualify for a lower interest rate, saving you money over the life of the loan.
Better Loan Terms: A co-signer may also help you negotiate more favorable loan terms, such as a longer repayment period or a lower down payment.

7.3 Risks of Being a Co-Signer

It’s important to understand the risks involved before agreeing to be a co-signer:

Responsibility for the Loan: As a co-signer, you are legally responsible for the loan if the primary borrower defaults. This means that the lender can come after you for the full amount of the loan, including interest and fees.
Impact on Your Credit Score: If the primary borrower misses payments or defaults on the loan, it can negatively impact your credit score.
Strain on Relationships: Co-signing a loan can put a strain on your relationship with the primary borrower, especially if there are financial difficulties.

7.4 Choosing a Co-Signer

If you’re considering asking someone to co-sign your Toyota financing, choose someone you trust and who has a strong credit history and stable income. Be sure to discuss the risks and responsibilities involved before asking them to co-sign.

7.5 Alternatives to Co-Signing

If you’re not comfortable asking someone to co-sign, there are other options to consider:

Improve Your Credit Score: Take steps to improve your credit score before applying for financing.
Increase Your Down Payment: A larger down payment can offset the risk associated with bad credit and increase your chances of approval.
Shop Around for the Best Rates: Compare offers from different lenders to find the most favorable terms.

8. What Are The Common Mistakes To Avoid When Applying For Toyota Financing?

Common mistakes to avoid when applying for Toyota financing include not checking your credit report beforehand and underestimating your budget; being well-prepared and realistic about your financial situation can significantly increase your chances of approval and prevent financial strain down the road. Avoiding these common pitfalls can make the financing process smoother and more successful.

8.1 Not Checking Your Credit Report

One of the biggest mistakes you can make is not checking your credit report before applying for Toyota financing. Your credit report contains valuable information about your credit history, including your payment history, outstanding debts, and credit utilization ratio. Checking your credit report allows you to identify any errors or inaccuracies that could negatively impact your credit score. You can obtain a free copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) annually by visiting www.annualcreditreport.com.

8.2 Underestimating Your Budget

It’s crucial to have a realistic understanding of your budget before applying for Toyota financing. Many people underestimate the total cost of owning a vehicle, including:

Monthly Loan Payments: Calculate your monthly loan payments based on the interest rate, loan term, and loan amount.
Insurance: Obtain quotes for auto insurance to get an idea of your monthly insurance costs.
Gas: Estimate your monthly gas expenses based on your driving habits.
Maintenance and Repairs: Set aside money for regular maintenance and unexpected repairs.
Registration and Taxes: Factor in the cost of vehicle registration and taxes.

8.3 Not Shopping Around For The Best Rates

Don’t settle for the first financing offer you receive. Shop around and compare rates from different lenders to find the most favorable terms. Contact credit unions, local banks, and online lenders to get quotes.

8.4 Applying For Too Much Credit At Once

Applying for multiple credit accounts in a short period can negatively impact your credit score. Each new account results in a hard inquiry on your credit report, which can slightly lower your score.

8.5 Providing Inaccurate Information

Providing inaccurate information on your loan application can lead to denial or even fraud charges. Be honest and accurate when filling out your application.

8.6 Not Reading The Fine Print

Before signing any loan documents, be sure to read the fine print carefully. Understand the terms and conditions of the loan, including the interest rate, loan term, and any fees.

8.7 Ignoring Red Flags

If something seems too good to be true, it probably is. Be wary of lenders that offer guaranteed approval or extremely low interest rates. These may be signs of predatory lending practices.

At millertoyota.net, we are committed to transparency and helping our customers make informed decisions. Our finance team will guide you through the financing process and answer any questions you may have.

A person looking overwhelmed by paperwork and loan documents.

9. What Resources Are Available To Help Understand Toyota Financing Options?

Numerous resources are available to help understand Toyota financing options, including the Toyota Financial Services website and millertoyota.net; leveraging these resources can empower you to make informed decisions and find the best financing solution for your needs. Taking advantage of these tools can simplify the financing process and ensure you’re well-prepared.

9.1 Toyota Financial Services Website

The Toyota Financial Services website (https://www.toyotafinancial.com/) is a valuable resource for understanding your financing options. The website provides information on:

Loan and Lease Options: Learn about the different loan and lease options available through Toyota Financial Services.
Current Offers: View current financing offers and incentives.
Payment Calculator: Use the payment calculator to estimate your monthly payments.
Credit Education: Access resources on credit education and financial literacy.
Account Management: Manage your existing Toyota Financial Services account online.

9.2 Dealership Finance Departments

Your local Toyota dealership’s finance department is another valuable resource. The finance team can answer your questions about Toyota financing and help you find the best options for your situation. The finance department can:

Explain Financing Options: Provide detailed explanations of the different financing options available.
Assess Your Credit Profile: Evaluate your credit profile and provide guidance on improving your credit score.
Secure Financing: Work with Toyota Financial Services and other lenders to secure financing for your vehicle purchase.

9.3 Online Resources

Numerous online resources can help you understand Toyota financing options:

Financial Websites: Websites like NerdWallet, Bankrate, and The Balance offer articles and guides on auto financing.
Credit Bureau Websites: The websites of the three major credit bureaus (Equifax, Experian, and TransUnion) provide information on credit scores and credit reports.
Online Forums: Online forums and communities can be a great place to ask questions and get advice from other car buyers.

9.4 Non-Profit Credit Counseling Agencies

Non-profit credit counseling agencies can provide free or low-cost financial counseling and education. These agencies can help you understand your credit score, create a budget, and develop a debt management plan.

9.5 MillerToyota.net

At millertoyota.net, we are committed to providing our customers with the information and resources they need to make informed decisions about their Toyota purchase. Our website features:

Detailed Vehicle Information: Access detailed information on all Toyota models, including specifications, features, and pricing.
Financing Information: Learn about Toyota financing options and how to apply.
Online Loan Application: Apply for Toyota financing online.
Finance Experts: Contact our finance team to get personalized assistance with your financing needs.

We believe that everyone deserves a chance to own a reliable vehicle. Our finance team is dedicated to working with customers of all credit backgrounds to find the best possible financing solutions.

10. How Do Lease Options Compare To Financing When Considering FICO Score?

Lease options often have more lenient FICO score requirements compared to financing, making them accessible to those with lower credit scores; however, understanding the long-term costs and ownership implications is crucial when deciding between leasing and financing. The best choice depends on your individual financial situation and driving needs.

10.1 FICO Score Requirements for Leasing vs. Financing

Generally, leasing companies may accept lower FICO scores than traditional lenders for financing. Leasing is based on the depreciation of the vehicle over the lease term, rather than the full purchase price, which can reduce the lender’s risk.

10.2 Advantages of Leasing with a Lower FICO Score

Lower Monthly Payments: Lease payments are typically lower than loan payments, making it more affordable for borrowers with lower credit scores.
Shorter Term Commitments: Lease terms are typically shorter than loan terms, allowing you to upgrade to a new vehicle more frequently.
Less Stringent Credit Requirements: Leasing companies may be more willing to work with borrowers who have less-than-perfect credit.

10.3 Disadvantages of Leasing

No Ownership: You don’t own the vehicle at the end of the lease term.
Mileage Restrictions: Leases typically come with mileage restrictions, and you may be charged extra for exceeding the limit.
Wear and Tear Charges: You may be charged for excessive wear and tear on the vehicle at the end of the lease term.
Higher Long-Term Costs: Leasing can be more expensive in the long run than financing, especially if you lease multiple vehicles over several years.

10.4 When Leasing May Be a Good Option

Leasing may be a good option if:

You want lower monthly payments.
You like to drive a new car every few years.
You don’t drive a lot of miles.
You don’t mind not owning the vehicle.

10.5 When Financing May Be a Better Option

Financing may be a better option if:

You want to own the vehicle.
You drive a lot of miles.
You want to customize the vehicle.
You plan to keep the vehicle for several years.

10.6 Consulting with a Finance Expert

Before deciding between leasing and financing, it’s important to consult with a finance expert. A finance expert can help you assess your financial situation and determine which option is best for your needs.

At millertoyota.net, our finance team is dedicated to helping our customers make informed decisions about their vehicle purchase. We can explain the pros and cons of leasing and financing and help you find the best solution for your budget.

![A person holding car keys, deciding between leasing and buying.](https://images.unsplash.com/photo-1605215424474-15d046423885?ixlib=rb-4.0.3&ixid=M3wxMjA3fDB8MHxzZWF