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The least amount of money a dealer can make on the sale of a car is to sell a car for 'cash'. If, instead, you walk in and suggest you might have enough for a down payment and would like them to arrange financing for you that's the chance of perhaps getting the best deal. They will get a kick-back from their bank which will be pure profit for them. That way they can afford to sell the car for less. It doesn't change the fact you still have to negotiate a good price. Wait until the day you take delivery and pay cash. You could always fib a little and say an uncle decided to finance you for zero interest.
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