I try to not pay cash ever when there are financing deals available at today's ridiculously low interest rates. Many car makers will have 0% or 1.9% financing and you should take that since there's a reasonable chance you will make more than that back by taking the cash you saved and investing it instead. At 0% financing, it's a no brainer, why give them all your cash up front instead of throwing it into an interest bearing account instead and making some money instead.