If you listen to the dealer, you'll be financing it at an exorbitant interest rate.
If you are wise, you'll pay cash that you have on hand, or from a loan from your 401K in which the interest goes back into your account. ( you pay interest to yourself ). These loans generally have a small fee, and don't overlook that you will generally need to ask for 20% more cause that 20% is automatically sent to the Feds as tax on taxable income.

( why is a 'sage' asking for financial advise anyway ? )