Yes it does have a belt and not a chain like earlier saturns. the 3.5 has a Honda engine.
In a 2004 Toyota Highlander : The 2.4 liter four cylinder engine has a timing CHAIN The 3.3 liter V6 engine has a timing BELT
2.2
timing CHAIN
timing CHAIN
timing BELT
The 3.5 liter V6 engine in a 2004 Nissan 350Z has a timing CHAIN
Yes , it must have a timing CHAIN ( the Gates website does not list a timing belt for the 2004 Nissan Xterra 2.4 liter )
On a 2004 Ford Explorer : The 4.0 liter Single Over Head Cam , V6 engine has ( 3 timing CHAINS ) The 4.6 liter V8 engine has ( 2 timing CHAINS )
The 2.0 liter DOHC , Zetec engine in a 2004 Ford Escape has a timing BELT
Yes , the 3.3 liter V6 engine in a 2004 Toyota Solara has a timing BELT ( P.S. - it is NOT an interference engine )
The 4.0 liter SOHC - V6 engine has ( 3 ) timing CHAINS
The 4.0 liter V6 engine in a 2004 Toyota 4 Runner has a timing CHAIN