captnjack wrote:
In my experience, working with cash does not help you; it actually hurts. Dealers make money off of financing.
Apparently they do. I knew I'd have to borrow a little to trade up to the F250 and would use my credit union. The dealer insisted his banks could beat their rates. I said show me in writing. He did. I took those rates back to my credit union and they lowered their rates to beat what the dealer offered. This went back and forth twice. In the end I borrowed from my credit union as I planned but I saved roughly $800 thanks to the dealer insisting he could do better.