I’m in California and just bought a new Camry and got 1000$ incentive by taking a loan from Toyota Finance Service. Dealer told me I have to do two payments until I can payoff. However, I already see payoff quote on TFS website right after the account is setup. Based on the agreement and evidenced by the quote, there is no early payoff penalty.

I want to payoff asap because the high interest rate. Can I do it now, or do I have to follow the dealer’s instructions?