I financed mine 100%. Good pre-approved APR and a good deal at the time so I jumped on it.
As far as maintenance & upkeep cost, I think they are pretty damn good for an "exotic" car. Gas mileage is better than most cars out there (29mpg!) and as long as you do your own maintenance it's not bad at all. A lot of little things you can go to the toyota dealership and get it cheaper than if you bought the same thing from Lotus. Tires are pretty expensive though since I doubt you want to put a set of All-seasons unless you DD it. Brake pads look brand new since the car is light, you don't use much padding. Insurance is cheap as well through Geico.
The things that are expensive are mods I keep buying haha.
-2010 Phantom Black Exige S240 [Kold-fire Custom Tune] [RLS 3.0"][RLS IC, IC pipe, IC shroud, Heatshield] [RLS sidescoop kit] [Saiku Michi Catch Can] [Walboro 255][BWR De-cat] [BOE 1/4 Stick] [TRD Intake] [Jim Clayton's Tow Hook] [CF Splitter, Sideskirts, Sidescoops, Wing Blade, Gas Cap]
-1995 Whitest White RHD Subaru Impreza STi type RA ver. II
-1976 Toyota Celica GT