Tell the car salesman you are dealing with that you intend to pay cash for your new ride, and their interest in making a good deal for you will instantly fall off a cliff.
If you have good credit score...take advantage of their currently cheap finance deals to get the discounts that come with them. Then pay the loan off as soon as you can. Last one I did was minimum 6 months at really low interest...then wrote a check for the balance. I saved way more in incentives than I paid in interest. Done that more than once!
The cash only crowd gets all bent out of shape about this kind of thing, and I have no idea why. Nothing wrong with cash only, but nothing wrong with playing the credit game to your advantage, either. I charged $75k on 2 credit cards last year, didn't pay an annual fee on either, didn't pay a penny of interest, got over $2k back. Once financed a new Ram at 0% for 5 years. Cash only crowd still found fault with that, lol.
