When I buy anything that's pricey from the shops, usually anything more than £500, I do the following. If for example you have £5000 budget for a car, I will get it ALL out in cash. Go into the dealers and make an offer for a car, SHOWING THEM THE CASH. Don't negotiate and be prepared to say your walking away, £5000 there for you right now. I also leave them my number. As I say be prepared to walk away but my experience is people like to see the cash. I do it all the time when buying white goods. Last being a fridge freezer I brought from a large store The manager refused, I walked out and I got a call about 5 that day from the manager asking me to go back. Missus is very embarrassed and says I show her up. Funny she doesn't mind when it comes off. It's a cultural thing, go abroad and many places are insulted if you don't " barter ". It's the done thing. Find it works particularly well when buying second hand cars from punters. Not dealers. People really do like " seeing the cash "