Can you legally raise your price and give a cash discount?

Yes, but tread carefully. Consumer protection laws prohibit hidden financing charges, so you can’t add a bogus “financing fee.” Instead, you set a higher regular price that includes dealer fees and offer a cash discount, as explained in the 0% financing trap above.

This is legal because the discount is taken off the inflated price. However, ethics matter. If the cash price is $10k and the financed price is $12k, you’re charging the financing customer $2k to cover your dealer fee and maybe extra profit. Be upfront about it.

Disclose both prices and the exact terms. That way, the homeowner chooses knowingly and you stay on the right side of regulators. Transparency builds trust and reduces buyer’s remorse, which leads to fewer chargebacks and bad reviews.