re: Is a car purchased from a used car lot lower when paid for by cash rather than financed?

I have bought a lot of cars in my life so here is my experience…financed when young ..cash when older…

First you are asking about the price set at the sale not total …. Ie financing…. second you are talking about a used car lot generally not a big dealership.

They generally make money from the sale and often outsource the financing.. and as op said you do not want to finance through them… so cash purchase is interesting to them ( unlike a dealership where the car is just a means for the corp …GMC…to sell you a loan)

As op also said end of month means the seller will be negotiating to get his monthly sales up for bonus or owner wants to close out a good month.. so better deals then .