Toyota Financial does not know what customer service is! They are terrible. They have lost checks of mine. I have sent checks in, done online bill pay, done payments through their site, and they clear on my bank's end...but not at Toyota (according to them). I think they are in the business of stealing money...not of providing loans. They wrongfully repossessed my car earlier this year, and I had to borrow money from a family member since I didn't have the money...and now along with my car loan, I also technically have a loan with this family member...and Toyota still has not fixed their error. I have my state's consumer board investigating them...but it is taking forever. I hate Toyota Financial. They are terrible. I wish I could afford to just pay off the loan all today .