[majormajor]

I haven't experienced this, I've actually had good luck doing basically the opposite. Go in with quotes already from my bank/credit union(s), tell the dealer "if you can beat 2.2% [or whatever] I'd be interested in your financing", let them decide if that's worth it to them, but still negotiate bottom-line total dollar amount, not monthly payment, as if paying cash (since outside loan = cash, to them).