Cash means nothing to the dealer. They are going to their money the second you sign on the dotted line, whether you hand to them or the bank hands it to them. You can get financing on a car for anywhere from 0%-3% now a days. I don't know your debt situation, but if you anything that has a higher interest than that, you would be smart to pay that extra money towards that debt and finance a vehicle. Just my .02 worth. I don't use credit cards and like you I don't like car payments but you just have to look at all your options.