where the Toyota dealership sent all your paperwork for the loan & demand that they send you COPIES immediately! Your copies of the loan documents may not match what the bank received from the Toyota dealer! There COULD be an 'Extended Warranty' that was put into your loan WITHOUT YOUR KNOWLEDGE. There could also be other things that were put into your loan, like- 'GAP insurance', 'Car Care', 'Extra Care', 'Easy Care', 'Toyota Care', & other extras that you don't know about.
Someone at the dealership may have ALTERED your income on the 'Credit Application' & inflated your income in order to get the loan approved. Your employment information could have been ALTERED too, like- 'Years of Employment', 'Job Title', etc. Get copies of EVERYTHING that the dealership sent to the bank in regards to your loan.
WHY?
*Because they LIED to you! You CAN negotiate the price of the car if you have a 'Clunker' as a trade! If they LIED to you about that, then there's a good chance that they LIED to you about OTHER things, & they may have LIED to the BANK too, wouldn't you agree?
'Google' this- AUTO DEALER LOUIS F HARRELSON TO PLEAD GUILTY, and read it. I believe Mr. Harrelson owns a Toyota dealership too, right? Most Toyota dealerships THRIVE on- DECEPTION, MANIPULATION, & LIES, when selling & leasing their vehicles to customers all over the USA.
If you find out that any 'hanky-panky' took place, then you can SUE them & you WILL WIN!
Good luck.