I looked around and mine seems extremely competitive for (technically) $164 a month all in. I will look into TFS’s policy but I know that I’m prorated with my Etron and Bolt. Worst case, my insurance (Progressive) offers GAP for $20/6 months
The best two I’ve seen are: 2021 Toyota Tacoma SR 4x4 V6 Double Cab $134/month, $1834 DAS and Signed: 2021 Toyota Tacoma SR V6 4WD - $142/mo - $0 DAS but I don’t have loyalty/college grad