I got a great rate through the credit union and my husband works for another dealer so typically I don't pay nearly as much, this time I just took it to the dealer because I wanted to get a thorough diagnostic and warrantied work completed. I am not sure about trading it for a Toyota though I guess because I just love my car. I would have to think that one out. Toyota's need repair work too, didn't cost me as much, but then the one time I took it to a dealer the price was rather high too. I think this is a dealer issue.
I am just discouraged about setbacks. You pay down a credit card and something comes up. I have to be able to pay them off in order to get a nice savings for emergencies.