re: Somebody's got to rethink the car dealership model

You dont need to. It actually doesn't make sense to pay cash for one even if you can in many instances, but that's a separate discussion.

The purchase price of the vehicle and the financing are two separate talks even if you're financing through the dealer. Agree on sale price in writing first, talk financing after. It's two separate negotiations with separate entities. Let them know up front that's you're plan and go from there. Usually they're fine with that. Know your number, both sale price and financing needs, before you show up. If they're a frickhead about it leave and go elsewhere. It's a car and you're not negotiating ransom to get your kid back.