Well I knew a guy that did that for a living, and I have a Mopar Brother, who did it when he was younger but he runs a successful restaurant thing now. They want you to use credit because the cash you put down goes in basically the dealership and salesman's pocket that's their Commission.... that's the only part of the games those people play with you I'm sure other members, more experienced with dealing with stealerships, may join in but this is about trying to find you a truck I don't want to turn it into a complaint board about semi unethical BS