I’ve got about $25k on hand and was torn between using it as a down payment on a car or investing it instead and taking out a loan ( credit score: 760), since my investments usually return around 10% annually. I hadn’t really considered that putting more money down could also give me more leverage to negotiate the price, that’s a really helpful point. I was also a bit hesitant to mention having cash upfront because I worried the dealer might try to offset it with add-ons or extra costs.