Every dealer I have gone to always suggests that I put down $2,500 as some cash to lower the payment on a lease. I never have, as its' my money, whether I give it up front or monthly...not to mention the part that if the car gets totaled GMAC won't give me my down payment back. But I was thinking, is it more probable that the reason a dealer wants cash "out-of-pocket" is so that it gives him capital to pay the salesmans' commission plus his profit? Otherwise he has to wait for reimbursement from GM, doesn't he? If this is the case, then shouldn't the fact that you're putting money "down" be a bargaining tool? Just curious.