[LatteLazy]

In the UK, you have 28 days to change your mind and arrange your own financing. So for informed buyers, a common tactic is to agree to whatever shitty high interest loan they're selling to keep the sticker price down, then just call the loan company and cancel and pay it off with cash from the loan/savings you actually want to use.

[kube-system]

The same can be done in the US -- just pay it off before it accrues any interest.

[MerelyMortal]

Just make sure there's no prepayment fees.