Am i able to pay car tax,doc fees,and registration seperately than having it packed in my monthly payments?

yes. I did.

WAIT, I also did away with monthly payments by paying cash.

2 people market it negative despite being 100% correct and on point.

Go ahead & ignore it. See if I care.

Sure. Simply include it with your down payment.

Just add that amount to the down payment. Say the car is $30,000 and you are putting $5000 down (cash or trade) Also say that taxes tags and other fees are $2187 (using the state of Maryland as an example) You can either finance $27,187 ($30000 selling price + $2187 fees = $32187 Subtract the $5000 down and you have a balance of $27187 to be financed) or you can put an additional $2187 down, which pays your fees up front and leaves a $25000 balance to be financed

Only if you get a separate personal bank loan. Use the money to pay the tax and rego etc, then pay that back to the bank with a monthly or weekly payment.

If your credit is good, then a basic overdraft is going cover it.