Your account with Toyota Financial will show in good standing and they will report to the bureau that your payments are current. The big thing you will want to check on is whether or not Toyota Fin will take the large payment and count them as paying the other payments. IOW, do they STILL want you to make minimum payments. This isn't a problem at a credit union, as they would apply the large lump sum to both 1)reducing principal and 2)making future payments. At a credit union it would show that you wouldn't owe a payment until roughly month 45, 46 of the 48 month term.