I bought a car a couple of months ago. I had the money, but I couldn’t make it liquid for about a week and I needed the car sooner than that. My credit union could give me a loan check in just two days, so I took out the loan, used their check to pay the dealership, and then paid off the loan in one payment once the cash came in. Cost me $12 in interest to do it that way, but that’s a whole lot cheaper than making payments for 60 months.
The dealership financing guy was throwing deals at me for more than a point lower than the 3.99% my credit union was giving me, and was baffled why I wasn’t interested until I explained it to him. That was entertaining.