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My suggestion would be for you and your mother in law to go look at the car have her choose what she wants, then have your wife take her to lunch whatever and you negotiate on your own for her. If she is there you car salesman will try and succeed in splitting you 2 and she will end up paying more.
In my opinion cash is still king regardless of the whole financing we make more money etc etc.. its 1 of 100 angles the salesman uses. The bottom line is they want the sale. Do your homework and find out what the rock bottom price is for the vehicle, go to 3 or 4 Hyundai ( can't believe I just typed that word ) dealers get business cards and refer to them when you are talking to different sales guy so they know you have your act together.
Your demeanor should be calm, cool and informed be very professional, polite however extremely firm.
If they don't give you the realistic fair deal someone else will.
Alternatively if you don't want to be seen in a Hyundai ( there's that word again ) dealer, dig deep and buy her an X1
Best wishes......
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