> Well, if they make most of their profit on financing, a cash purchase would be lower. Er, no. They need to make a profit. If they don't get some profit kic

> Well, if they make most of their profit on financing, a cash purchase would be lower. Er, no. They need to make a profit. If they don't get some profit kicked back from the bank as part of the financing package they need to raise the purchase price in order to preserve that level of profit. You can't buy a car for the "financed price" without financing. You have to pay the higher "cash price". The whole "bargaining and negotiating" dance that car dealers do is simply to hide the fact that there are two different prices.