This is absolutely true. Pro tip. If you're buying a car with cash, decline to state how you're paying for it until you have already negotiated the price and g

This is absolutely true. Pro tip. If you're buying a car with cash, decline to state how you're paying for it until you have already negotiated the price and gotten it in writing. They will ask. Tell them you'll work out finances with their finance person. If you tell them you're paying in cash before you have the price in writing, your price negotiations will go poorly.