> those prices are generally tied to financing (you really can't buy it cash at those prices, you need to finance it through them at crazy 7/8%+ rates) I can't

> those prices are generally tied to financing (you really can't buy it cash at those prices, you need to finance it through them at crazy 7/8%+ rates) I can't talk for the rest of the continent, but in the UK we've got "price on the road" advertising laws here. So if you turn up to a dealership with £20k and ask for a new car that's advertised at £20k, you'll be sold a car for £20k in cash. The dealer might try to up-sell you for financing, but you can just say "I'm paying in cash, and I don't want any extras", and they'll complete the payment & paperwork in record time so that they're able to move onto a more profitable financed sale elsewhere.