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VTFJC previously said:
I used my local credit union. They killed toyotas rate by over a full point!
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That's where I'm going, being in the Medical Field, I have access to a very good credit union with excellent rates. My wife, the Toyota salesperson, advised me to open an account for us, last year, when we were anticipating the FJ's release. She tells me that no loan company, including Toyota or our main bank for that matter, can beat them.