Fellow club members:
As I completely understand that you will meet all kinds of different personalities while contacting an assortment of dealers to get quotes, some shady and some above board, there is a reason why they may be asking you how you are going to pay for the car.
The specials and various rebates thru VW are based on whether you are taking advantage of the special rates thru VW Credit or using a different lender or paying cash. For instance in the Passat TDI's specials, if you use the rates, there is $1000 in dealer cash to offer you. If you do not use the captive rates, the dealer cash incentive goes to $1250.
This is why I quote both ways to a prospective client!