Dealerships incentivize people to take up loans by giving bigger rebates on financing. You can take advantage of that. After all the price negotiation is done

Dealerships incentivize people to take up loans by giving bigger rebates on financing. You can take advantage of that. After all the price negotiation is done when I buy a car, I would ask the salesperson for the rebates on financing. Usually they have $0 for the all-cash deal, $X for 0% rate loan, $Y for 2%, $Z for 5% loan, where X < Y < Z. I would take the worst loan with the biggest rebate, acting like a dumb customer. Then on the first loan payment, pay off the whole thing. Just be sure there's no prepayment penalty.