[ldite]

Anecdotally I've heard of people getting discounts from the dealer by buying on finance, then asserting the right to cancel within 14 days* and paying cash instead. AIUI the dealer doesn't have to accept the cash, and could take the car back, but then they lose the sale, so they generally just suck it up.

(* https://www.carmoola.co.uk/blog/cooling-off-period-car-finan...)

[HeyLaughingBoy]

That wouldn't fly in the US, at least not with actual cash, i.e., bills. Notes are legal tender and can't be refused if you're paying off a debt with them. And I don't think early loan payoffs are legal anymore, so you could take out a loan one day and then just pay it off completely the next.