This 2-tier plan is suitable for fresh grad or working adult which do not have strong finance ability, their interest is about 3-4% while bank is offer 2.2-2.5% depends on your profile...

After 6 years you can trade in for new toyota, but have to check what is the T&C, probably you will not get any cash return and the car you trade in is for new car 10% d/p only...

Just imagine last 3yrs loan balance is RM 1,242 x 36 = RM 44,712, a 6 years car i guess maybe only can sell 40k-50k.