Makes sense. I am only in dilemma to this ever-growing huge cost commitment. There will be another interest rate hike in March 2023 in CanadaThe $7000 you quote includes about $1200 to $1500 increase from going from a 2022 to 2023. The rest is going to be from the increased interest rate on your loan. I know everyone's situation is different, but what I am planning to do is take the finance rate being offered, as it is in line with what my bank is charging. Then when interest rates start declining, I will look into paying off Toyota Credit and financing with my bank.