True. I'm away next 2 weeks so am putting the car purchase on hold. But what I came to realize is that they all net out at about the same. The dealership can very easily figure out how to manipulate the numbers for that they get what they want ... hardly ever a good deal.
Only good deal would be when you actually pay cash during employee pricing, then you dont get hit with the high interest rates. On the other hand, you could make the arguement that you could not pay cash and finance around 4%, invest the moen yyou saved by not paying cash in low-risk government bonds that would probably pay out around the same as the dealers interest rates, so really again, you never win