In need of financing advice on new car purchase

I suppose the traditional 60 months.

Even with 800+ credit, 6.5% has been the lowest rate I have been able to secure.

Sounds like you're a relatively financially secure. If that is truly the case, option A is your least costly way to fund the purchase.

B and C on the other hand, leaves you with more cash to handle things in life as they come up if that $37,500 is more than you want to give up in liquidity.

You may consider Option D and do 50% down and finance the rest.

And good luck with dealing with dealers. I'm seeing very modest price drops in the trucks I've been interested in. I'm talking like 3-4% which is negligible and may be dealers with different pricing strategies, but prices don't quite seem to be going up for the time being. If this UAW strike carries on for any amount of time, it's going to become a real jungle out there.

Lastly, I almost traded in my truck last week. I talked to a sales rep on the phone and decided to not go look. In a couple of days they were asking if they could "reprice" the truck to get me interested. If you're not in a hurry, talk to 4 or 5 dealers and see if any of them are hungry.

If you borrow, borrow against one of your assets. You will pay interest but to yourself. Do you have a whole life policy?

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B) 25% Deposit; Finance remainder at 6.5%; Earn 4.5% to 5.5% on cash (possibly refinance at a later date)

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So in exchange for not trying up the cash equal to 75% of the purchase price, it's costing you 1-2% per annum.

What would your cash reserves look like after the purchase if you paid all cash?

If it's a level that still has you comfortable, go cash.

If I made a cash purchase I would have roughly $60k. I predict some larger expenditures over the next few years such as new AC unit, perhaps an additional cheaper used car, and perhaps some college cost.
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Congratulations. Many here admire the situation you've created for yourself.

Cash or finance you're in a great place!

Just ask Siri to flip a coin.

I would just buy it outright. Save the headache of monthly car payments for 5-7 years. Either way, you are still buying the 50k car. You can do it outright or pay interest. Remember, if you ever get in a bind and new more money, you can always take out a loan against it. You will have at least 45k in equity right away.

Looks like Lexus is offering 4.99% 48mo promo financing on the RX, in case that changes anything. Expires 10/2/23

I would look at the financing deals and wait for one if not available from the car companies.

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Any reason I shouldn't choose option 'A'?

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I would choose A easily. To make yourself feel good about the decision, just put back what your payment would have been under Option B.