I agree with your last paragraph generally, but I absolutely do not agree that it applies to this situation - there’s nothing unethical about getting financing

I agree with your last paragraph generally, but I absolutely do not agree that it applies to this situation - there’s nothing unethical about getting financing for a big purchase, then paying it off early with cash. You don’t have any responsibility to explain why you’re seeking financing when you could technically afford to buy it outright - that’s none of their business. Edit - nevermind, you explain your reasoning in other comments, though I still can’t empathize with it.