We do most of our business with Toyota Financial. Our reputation with them is excellent and when we ask for something special, they listen! It makes a lot of sense. There are other benefits with going with the factory. If for some reason you had some difficulty with you car or loan, who do you think would be the most interested in helping? Someone that has a vested interest in you staying in the Toyota family or someone that was just interested in collecting the loan? Like I said, it just makes sense.