I agree with the advice here but I'll offer an alternative advice, a second best advice if you don't want to go shell out cash for a $20,000 car:
Put down 10K, borrow the rest, and then retire the loan early.
I think there's something to be said for using other people's money to acheive your goals sometimes.
My only advice on this is to negotiate as if you are paying cash and get your loan elsewhere, like e-loan or something because the dealer will always screw you on the price if you finance through them or not.
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