Look I don't want to engage in trolling with all the ti-coun (s) here, making comment about my "Toyota Corolla", or my username.
Anyhow, anyone that I have ever known that has bought a luxury car has:
-basically wrote a cheque , or
-leased usually 48 months, (because they don't want the cost of maintenance of a depreciating item).
Some here will say that a luxury car increases in value :
-That is only if you have a very very rare breed of car IE Ferrari 250 GT.
-The high likelihood is that if you are buy a used Lambo, etc. etc. and financing over 84 months its because you got a deal, on a depreciating item.
All of my friends have put straight cash down for lux cars. The guy below saved up cash and was able to negotiate with the dealership.
This guy paid cash for the new rover.
And as for my "toyota" yes cash for that too.