Or if you come with your own financing. I usually talk to the "finance guy" at the dealership because (so I've been told) they sometimes run promotions and can give you a rate better than your bank but lord heavens I've never seen it.
They once offered me more than double the rate of my bank and for 2.5 times the term length. I'm sure that $150/mo or whatever payment for the rest of our life is attractive to someone but I just laughed. They really don't like people who are looking to minimize total interest paid.
When I bought my latest car ~2 years ago, the dealer's rate was something like half a percent higher than my banks. On a 3 year loan and with the $1000 kickback for taking the dealer financing, it ended up being marginally cheaper to take their loan.
They once offered me more than double the rate of my bank and for 2.5 times the term length. I'm sure that $150/mo or whatever payment for the rest of our life is attractive to someone but I just laughed. They really don't like people who are looking to minimize total interest paid.