1 hour walk today, in 25degC heat, including some shopping at the Co-Op (which luckily had no queue outside).

Chased up Toyota as they hadn’t called me, and they finally called me in the afternoon. They confirmed I had passed credit checks so the backup car was reserved for me.

However, the first choice car was still reserved for the other buyer and they were still waiting to find out if they passed checks on another finance company (Black Horse).

So it seems that the finance is primarily with Toyota Finance and the secondary finance company is Black Horse (which, ironically, is who I had my finance with when I had my Skoda.) According to my Toyota sales person, Black Horse is a higher interest finance company.