I live in the US in Massachusetts I have been approved for a TFS loan, along with the student incentive and the $900 incentive for a RAV4 Hybrid. But The rate for the loan is 4.39% for 60 months which is high compared to my bank. I was ok moving forward until the dealer told me I would need to make 6 payments before I could refinance. On the TFS website they don’t list 6 payments as a requirement that I can find at least. Does anyone else know if this is a real thing or is the dealer just covering themselves from a TFS penalty or chargeback for one of the incentives?