Cash vs FinancingPurchase deal checkCommunity Starter

2024 Buick Envision — should I tell the dealer I am paying cash up front? — anyone dealt with this recently?

TorqueWeekend186Community StarterFeb 5, 20262024 Buick Envision AvenirAustin
I do not need financing, but I keep hearing conflicting advice about when to mention that. I mostly want a clean transaction.
apr
10.16
location
Austin
trade in
ppi planned
term months
36
asking price
40500
dealer addons
495
dealer doc fee
1299
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5 replies

SleeperDetailerCommunity StarterCommunity StarterFeb 5, 2026permalink
I would not stare at the monthly. I would not wire money until I've seen the 2024 Buick Envision and the title situation in person or via a trusted PPI. Then the comparison gets honest. I'd want a dollar figure or a measured spec, not 'should be fine.' Calling insurance in the morning before I reply to the desk.
TowWeekend964Community StarterCommunity StarterFeb 6, 2026permalink
Same neighborhood, different next step: GAP, paint, and nitrogen are optional until you run the 2024 Buick Envision numbers without them. I'd rather lose the car than buy a foggy deal. On “should i tell the dealer i am,” that was the fork that mattered for me. Post the numbers (or the code) and people can get more specific. I screenshotted the quote for later.
SleeperDetailerCommunity StarterCommunity StarterFeb 6, 2026permalink
Insurance and tax belong in the comparison, not as a surprise. Call your insurer in Austin before you fall in love with the 2024 Buick Envision. Do that before you talk monthly again. On “should i tell the dealer i am,” that was the fork that mattered for me. I'd want a dollar figure or a measured spec, not 'should be fine.' I screenshotted the quote for later.
ColdStartCommuterCommunity StarterCommunity StarterFeb 6, 2026permalink
Walk if they won't put it on a buyer’s order. If they're pushing term length to shrink the payment, the 2024 Buick Envision price probably got worse. Then the comparison gets honest. Do that first. I've seen both outcomes, which is why I'd test instead of assume. Not letting add-ons ride along because everyone does.
TowWeekend964Community StarterCommunity StarterFeb 6, 2026permalink
Treat this like a math problem, not a vibe. Call your insurer in Austin before you fall in love with the 2024 Buick Envision. Do that before you talk monthly again. Happy to compare notes if your setup is different. Going to re-read the worksheet tonight.
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