So in that case, I'll take my 2% external-bank-loan and drop off the check at the dealer all day long.
Cuts your sticker-price negotiation ability a bit since they lose another place to fiddle with the numbers and make money on the backend, but ultimately the end result will be about the same, and it's much less headache to have the financing lined up regardless of which dealer you choose.
It worked for me, took more time I will say, but I got a good deal on a brand new car that I'll drive for a very, very long time.
I just tried to figure out (via Google) whether it's common in eg Germany---but what I found what mostly only about negotiations for used cars.
And that's before any kind of negotiation (unless you count asking nicely as negotiation). And I mean anything. I've done it in many places. Is there anywhere where that does not work?
Your local Apple Store in the USA.
You can try asking the next time you buy something big. The worst that can happen is them saying no, if you really asked nicely.
PS: I dented a rental car and got a huge bill. I called them up and basically said 'discount please?' They gave me a 20% discount, and that was without any kind of arguing or confrontational talk, just the question. So it's not just for stores.
It's just another choice. There are plenty of car dealers here that offer a "no-haggle" experience if that's what you want.