I've heard two approaches on Reddit. One is to negotiate the final out-the-door cost (NOT monthly payments) with their financing, etc., and then tell them you h

I've heard two approaches on Reddit. One is to negotiate the final out-the-door cost (NOT monthly payments) with their financing, etc., and then tell them you have your own financing (or cash) and take it or leave it, being totally ready to walk. The other is to negotiate with their financing, ensure there are no prepayment penalties to pay it off early, and then as soon as you leave just pay the thing in full or pay it with a loan you secured at a better rate.