In order to solve the problem due to the unbalanced passenger demand, a single line transit mixed scheduling model for zonal vehicles is proposed. This model takes the factor into consideration that the bus companies generally rely on government subsidies and there exist financial constraints in big cities in China. With the target of maximizing the total social benefit, the model simultaneously optimizes the frequencies of zonal and full-length vehicles as well as turn-back point. The impact of financial constraints on transit optimization is explored, proving that financial constraints are equivalent to diminishing the value of passenger's time. Furthermore, a numerical example is present, and the relations among frequency, turn-back point, and cost under financial constraints are analyzed. Compared with the optimized single-line scheduling, the results indicate that mixed scheduling can save vehicles, the passenger travel time and the cost under unbalanced demand situation and financial constraints. The benefits for both operators and passengers can be obtained by reasonable allocation of vehicle operation form under financial constraints.