Instead of buying a "new" car from the dealer and taking $8000 in financing, why not look for a gently used car (has maybe 20,000 to 40,000 miles on it) that you can pay for in full? Dealers are loaded with off-lease cars, and I can virtually guarantee that your local Toyota dealer has plenty on their lot waiting to be resold that they'd give a great price on.
Buying a brand new car is possibly the worst thing you can spend your money on because it will be worth so much less very quickly. It's also less expensive to insure a vehicle that's not brand new.
Think about it, as it can save you lots of money and be a better option financially. Our Blazer was purchased off-lease from the dealer 8 years ago. We have 130,000 miles on it and will keep it till the day it dies and needs to be towed away.