Depends where you are financed through. My parents and I bought used through a Toyota dealership so we are both financed through them even though neither of us own a Toyota. Problem with them is that you can make a payment but it takes up to a week to process so if you pay a day before your due day or on your due date, I assume it goes to them as late because it has yet to process. It is such a terrible process but I have gotten use to them calling regularly because I refuse to pay an extra week early just because they can't process it faster.
They keep calling me and hanging up without leaving a message. I can hear someone clicking on a keyboard. I have never owned a Toyota and haven't had any cars financed for 15 years. Maybe they're trolling for identity theft.