You really don't have to plead poverty. You don't have to want finance. I have bought plenty of cars outright and have always got a good discount. Try this: at the moment they are offering £5,000 towards the deposit oon an E class Avantgarde 220cdi. Bet you can get that as a discount by offering to buy for cash. If you can't I can get it for you. It is not right to say dealers only want to sell finance. They get up to 15% gross margin on the cars. They really want that!