As Dave Ramsey would say "Cash talks" I just recently lost my job and company vehicle, so I went on the hunt for a personal vehicle, I went to tons of dealers, now i was not looking 'brand new' but something used in good condition. I found that the larger dealers would not deal, but the smaller dealers and some a few miles away were more then happy to discuss cash with me. Dealers get kick backs by having people finance, and leasing is the worse. Go check out
www.daveramsey.com you cannot go wrong with his advice