With my credit rating in this economy I can pretty much name the rate that I'm willing to pay.
Add to that the fact that when I do buy I'll have a big pawful of cash and I'll have them eating out of my hand.
What? You mean that you're not willing to drop me into that rate structure and throw in these items even though I have $10,000 cash to put down and am willing to take a car out of your current inventory? Today? Well, sir, you have a mighty fine day, I'm going to your competition.
I don't know, though, exactly when I'm intending on buying. The car I have is still going strong, and it would be sweet if I could get a couple more years out of it. I'm keeping up on what is available, though, just in case I do have to replace the thing quickly.