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My wife and I were in a similar situation when we were selling her Saturn. It was financed through our insurance company (USAA) and they told us the buyer could write only one check, but it would be quite some time before we got the difference back from them so he suggested we have the person write two separate checks. Don't know how Toyota works, but I'd say try to get the person to write two checks if you want to see the difference anytime soon.
 
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