Why does the military rebate only apply if I finance? It should apply if I purchase the car right?

May I Suggest You Contact an Official Toyota Dealership for Terms

Are you planning on purchasing a new car outright? If you plan on financing or leasing through Toyota financial, you may be eligible. If you plan on buying outright or financing through another company, it's understandable that you won't. If you are paying cash for a car, the dealer will probably give you a nice discount.