Dealerships often make significant profit from financing. If they know you aren't financing, they may be less willing to lower the car's price because they lose that expected "back-end" profit.
Negotiate based on the total final price (including taxes and fees), not monthly payments. ✅ Pros and Cons Buying a Car With Cash | Edmunds buying a car with cash from dealer
If asked how you’ll pay, say: "I'm considering all options, but I want to focus on the out-the-door price first" . Dealerships often make significant profit from financing
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