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I have paid cash for nearly every car I've owned in the last 30 years. There are times when a significant discount is offered if the car is financed. Typically only 3-4 payments are required and interest can't be jacked up beyond normal levels, so some savings is still realized with financing. We did this with the two 2022 Hyundai cars that we bought, back when supplies were short.
One way to ensure a decent trade-in value is to get a quote from one of the companies that offers to buy cars. If the trade offer is too low, sell the old car, rather than trade it.
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