Today I decided to visit the Manhattan Toyota dealership located on 645 11th Ave. I was responding to the following advertisement:

{gallery}toyotaad/{/gallery} 

I saw the fine print and shady wording being used. It states it has 0%
deals for up to 60 months. In the fine print it says only on select
models. So my wife calls in and specifically asks if "Camy Hybrids are
available at 0% apr for 60 months). So the sales person says come right
in tomorrow and schedules an appointment with the manager (Genie).
When I get there around noon time Genie is busy and asks me to talk to
Jean, a West African gentleman who seemed pretty likable.  

Right off the bat I tell Jean that I am only interested if they are
offering the Camry Hybrid at 0% apr for 60 months. He first takes us to the showroom to look at the car. A Muslim finance guy says salaam to us and tells Jean to come to him if he needs anything and he wants to take care of us. Jean takes the advert
and goes to discuss it with someone. He comes back with a sheet which
more or less looked like this. 
So he says the Camry, Hybrid in particular is not part of this specific
sale. So then he looks into my credit and comes back praising my credit
score and says that maybe they can do something because of my great
credit history. He asks me if I want to make a downpayment and I agree
on paying $500 as a down payment. Then I go for Jummah (Friday Prayers)
and come back.