Depends on dealership, dealers incentive, dealers possible tax dodging. Honest dealer with no incentive has no reason to take cash much under retail price. BUT, a dealer with some cash flow problems and other incentive to need actual cash - say a divorce in process with joint bank account and business account under court observation and soon to be X wifes lawyer may be willing to do some off the books dealing- the deal will show up as dealer courtesy wholesale plus 5% or 10%, certificate of origin and out of state purchaser to cover his *** with state DOT and tax dept-- or just a missing from inventory vehicle- much easier to do with used car than new car but salesman/ sales manager with need for cash MIGHT just deal if you have GOOD reference. Municipal CJ6 tradeins that didn't ever have titles to be put on bank loan inventory list can go out of state to accomidating dealer for some cash, couple people that front cash for travel expenses get well maintained Jeeps with minimal extra paperwork later. That dealer was heading for bankruptcy court anyway. Last year talking to someone with knowledge of 'what is he doing now' (lawyer) mentioned a couple possible cash deals that could be done- one new vehicle that had wandered across state lines, couple of used ones with liens released from title- or a new issued title that didn't show lien from other state. Know the dealer and make sure he knows you and mutual aquaintance in maybe criminal enterprise.