The thing is, sometimes certain times they do discounts, which they DON’T if you use their finance. It defies the purpose of them “giving” you a discount when you’re “asking THEM” for money. If that makes sense?
I got a discount for having 2 ops at the same time as that saves money in hospital stay, anaesthetists etc. but if I was going to take their finance I would have paid the full price. So it’s incorrect to say you would pay MORE, you just wouldn’t get the privilege of the discount. Depending on where you get the cash from (personal loan, credit card), it works out the same in the long run. Unless you have the cash with 0% apr.