Hey everyone, I’m in Ontario and looking to buy a new 2026 Camry SE Upgrade, but the financing process has me second-guessing things. For a bit of context, my 2026 Prius was recently totalled. The insurance payout hasn’t fully cleared yet, so that loan is still technically showing up on my file. I went into a Toyota dealership and managed to get about $1,700 off the sticker price. Initially, we agreed on a 72-month term at 4.89% with $4,000 down. We also refused on all the extras the finance guy pushed, like GAP insurance and ECP. They submitted the application to Toyota Financial under my partner’s name (since Prius was…
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