No. Your MF is the default one from calculator, so is your RV, and dealer fees. You are guessing. Do you have actual deal sheet or are you just going off of payment.
I highly doubt that it’s going to be that payment when you get into that dealership because no one takes $10,000 off of Highlander. I haven’t seen any dealership do it.
Maybe the dealer added the dealer added options on the MSRP for an OP to make him see that there is a bigger discount. I don’t know, I am just guessing.
Non-Captive Bank would be with an Ally and it has 67% RV with 5.54% MF. Another is USBank and I am at $475 on that one.