i now have a franchise which is still underneath a contract, though would similar to to get a latest automobile with a low seductiveness rate. we would similar to to know if we HAVE to do a financing by toyota, or if we am means to to all from a credit kinship as well as what my options are. Any assistance would be great!

There should always be a pay off price for your lease contract and/or a price to buy the car to terminate the lease.
Talk to the credit union to see what they can do for you. I kind of doubt you will get a deal that you will like, but the credit union will probably give you the best deal you can get.