I just went through a similar scenario. I went through Consumer Reports Online car buying service (free if you're already a member) they contact some car dealers for a target price who agree to match it.
The closest dealer is not a participant but has a good reputation otherwise so I presented them with CR's target which they would match if I financed through them. Like you I was going to pay cash for the car and there is no prepayment penalty. So I took the financing at 1.9%, I'll make one payment in January and then pay off the loan in February.
Works for me.
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When I was a kid I wanted to be older. This is not what I expected.
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