Confession: I just got a car loan.

[disneysteve]

Um, I think the dealer has a good idea when you are going to pay cash or finance. & yes, they get a larger commission if you finance with them.

You can tell them you'll be financing it. You don't have to tell them where you are getting your loan. See my previous post. When I bought my car, I already had financing lined up from an outside lender. I only went with the dealer financing because they matched the rate.

You can also take the dealer financing and turn around and pay off the loan soon after. I've done that, too, as I took a home equity loan to pay off a car loan since the terms were much better.