Give the Toyota dealership…
Give the Toyota dealership the opportunity to beat your credit unions rate with there lenders. If they can’t go through your credit union it’s pretty simple. If they give you incentives to finance with them then do it, and you can refinance it later... Your credit union is having to pull your credit anyway, and if the dealership pulls it and has a few of their lenders it’s not going to hurt your credit as long as it’s done within a 30 day period…