There's a couple of things to keep in mind here. The question of finance pops up because it's another avenue in which the dealership can make money. Without that opportunity they may be less willing to negotiate. Cash sales is an old concept that has little credence in an industry that needs its books looking 100%. The idea that you can get something knocked off because you have cash is no longer valid.
After a couple of years in the industry previously, I'll still maintain that my least favourite customer is someone who's only focus is price. If I got a customer who clearly showed that's all they were interested in and they had no qualms about walking, I'd let them walk. I like my customers to actually want my product.
I've no doubt you are keen on a car, but I don't know if you have given them that impression yet as silly as that sounds. Something is only worth as much as you're willing to pay for it and the more you worry about how good a deal you get, the more you worry about whether what you bought was worth it in the first place.
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The Dad Bus (TM): 2004 BA XT Wagon, soon to be set up as a camper and tourer.
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