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system
if i plan to buy a car in cash, should i let the dealer know?
user
ditto other answers, but i'd add there's a lot of psychology going on in a sale. if you're paying cash, you presumably have a pretty fixed upper limit on what you can spend. but if you're getting a loan, a large increase in the price of the car may sound like just a small addition to the monthly payment. also, these days dealers often try to roll "extended warranties" into the loan payment. most people can't calculate loan amortizations in their heads -- i'm pretty good at math, and i need a calculator to work it out, assuming i remember or wrote down the formula -- a dealer can often stick a piece of paper in front of you saying "loan payment: $x per month" with fine print that says that includes $50 for the extended warranty, and most people would just say, "oh, okay".
assistant