It really doesn't. Dealers make money on the back end when you finance. The more you finance the more they make. Large down payments are useless. As it buying cash. My dealer doesn't give one shit that I'm walking in there and writing them a check for the whole amount, they'd rather I finance the whole thing.my guess is the "fat stack of cash" means something... 20% down payment walking through the door.
If you really want to fuck with a dealership, negotiate a price based on financing the car, then pay it off in under 90 days. Little thing to note: this will hurt your credit. FICO doesn't like it when you pay your loans off early. (my credit dropped 30 points when I paid off my 36 month loan in month 6 on my last car)
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