I paid off my loan with TD Auto Finance and they never closed the account, first they tell me they owe me money. Then they tell me I still owe them money and they would be taking the payment from my account. Needless to say I lost my mind on them. They told me they would close the account, and waive off the money they say I owe them. I don't believe them. I will NEVER do business with them again. I will be checking up on them soon. User's recommendation: Find somewhere else to finance your vehicle.