Can I just write a check? Do I need to run to the bank and get a cashiers check or money order? Big suitcase full of money? Ideally, I'd like to use the credit card that gives me British Airways miles, but we actually tried that once and they said no. I want to go in and say "I'll give you $12000 plus my trade. Right now, this instant. Take it or leave it. And no, I don't care about a low interest rate, because my interest rate is going to be zero because I have all the money I need to pay for the car." Sorry, my monthly payment is going to be zero because I'm just going to raid the college fund of my non-existent children. I was really hoping that I wouldn't have a trade to deal with because that buggers up the deal as well - they discount the car, and then lowball me on the trade, or visa versa. Luckily, I have a trade that some dealers might be able to make some money on.