<prompt> Human: Long story short, Im in contact via email with a large dealership and Im inquiring about financing a cheap reliable car somewhere in the 3-5k rangeI was asked what my Max payment would be, and I just said i would like my monthly payments to be around 100-150, then the rep replied that they cant sell on payments of 100 or even 200 because the bank loans need to make money...Does this guy think I want to buy a car for 200 or is he actually telling me I cant finance a car for under 200mo?I realize this would be a shit ton if interest but just to correct my record: dont I have the choice to finance a 5k car for 48 months 109mo and have the option to pay the remaining principal at anytime?Lets say that I needed a 2nd car right away but it would take say 5 months to save up and pay in full. So I should be able to finance it for the lowest monthly rate to get it sooner, then pay it off in full in 4 months later to avoid 44months of interest... Right ?  <response>: Id advise you NOT to finance with Toyota but rather through your own bank or credit union. 