<prompt> Human: Should you bring in an envelopebriefcase of bills? But that sounds ridiculously risky. Do people use their debt cards? Write out cheques?  <response>: It goes like this.Wed like to buy that there carGreat! Will you be trading anything in? What kind of a payment are you looking for?Okay, the retail cost is XXX, the awesome discounts we give you because you are awesome, the cool things we add to help you get a better car and pad our profit margins, and the various fees come to YYYwell, we were willing to offer ZZZ for this carhem, haw, this makes it really hard for us, we need to make a profit to stay in business, let me have you talk to the next and the next, and the next person upOnce you get to the 3rd or 4th person, you will have about the best deal you will get. THEN you whip out the checkbook, and they have a cow because they THOUGHT they were going to get some profit margin out of the financing :But seriously, in a reasonable dealership, assuming youve done your homework and are offering a fair amount for the car, the haggling process takes about 20 minutes. Which is good, because there are THOUSANDS of cars for sale out there, and I am happy to walk out if the price I think is fair is not acceptable to them. Our last 15 or so cars 6 kids so we sadly keep the local used car market in business... have all been with plain old checks, at OEM dealerships or used car dealerships. Private sellers will generally prefer cash or a cashiers check, IDEALLY at your bank. Good luck! 