I sold cars for a year, Mazda included. Mazda uses a "customer cash" offer, and not a "rebate." A manufacture rebate HAS to be offered when it is available(Nissan is this way). A "cash" type offer, including loyalty, does not HAVE to be offered. The dealer can hold on to it if the consumer is not aware. If this dealer is telling you, you have to finance at the dealership to get loyalty rebate, They are SCUM. Period. Dealerships make money from Finance, and the Garage. VERY little is made on front end margin. The dealership will still get credit for the customer cash from Mazda no matter if they extend it to the customer or not, as long as the customer qualifies. . They want you to finance at the dealership so they can buy a low rate, and "sell" it to you at a higher rate. Up to 3% is the cap they can increase it, well at least in VA it was when I sold Mazdas. They might even use another CU, or bank, not even Mazda Finance for your loan. That being said, Mazda does not have any rules that you have to finance to receive their customer cash offers.