There are ways to pay cash from the dealer’s viewpoint even if you don’t have the cash— whole life policy loans, credit union loans, borrowing temporarily from

There are ways to pay cash from the dealer’s viewpoint even if you don’t have the cash— whole life policy loans, credit union loans, borrowing temporarily from retirement accounts (then financing to repay). So, it’s not the worst limitation. Anyway, having the cash is the best negotiating position, so this shouldn’t be a big surprise.