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FWIW, Hot Lava is the least produced color (Toyota exclusive) and some dealers seem to have trouble getting them. When they do have, they usually know it's going to sell.
If you can get them to losen up see if they can throw in some accessory from the parts department for free.
As far as financing, if they offer a good rate through Toyota Financial do not be afraid to take it. They have been wonderful to work with and they give you online account access. The customer service is fantastic through them.
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