Paying cash will not get you a better price. End of story. Now, they can make money off financing you. If they can "sell paper" at say, 5%, and finance you at 6%, they get the spread. However, again, no one cares how you pay for it. It won't affect the sale price. Whenever you are talking to the F&I (finance and insurance) guy, tell him you just want "the strip note." what does this mean?