Thanks to @Nimbupaani deal, I spent a while trying to get this to work but not been successful 
A dealer agreed but then backed out knowing this is from MA 
So, here is what I got as most recent numbers on a 2018 Toyota RAV4 XLE with power lift gate (not heated seats) 36mth 10K miles
MSRP: 30,000
Sale: 28250
MF: 0.00001 (0.24% APR)
Bank Fee: $650
Doc Fee: $399
Lic/Reg.: $301
Monthly comes close to $300. 0 down and drive off. tax, tags, title all included.
I understand this is a bad deal but how can this be made better in NJ.