>You do see them for new cars, but they are just taking whatever they would have given you as a cash discount and converting it into a low rate. This is no lon

>You do see them for new cars, but they are just taking whatever they would have given you as a cash discount and converting it into a low rate. This is no longer true as price negotiations happen before financing discussions. Cash discounts have all but disappeared as dealerships prefer financing: https://www.kbb.com/car-advice/should-i-pay-cash-for-a-new-or-used-car/#why-dealerships-prefer-financing https://www.kbb.com/car-advice/should-i-pay-cash-for-a-new-o... >Maybe a bit more, as they charge fees on the loan that they roll into the balance owed. Only if you miss payments. These loans are zero fee and zero/low percent.