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Miley Cyrus can go from 0-60 in 5.3 seconds … without a top on … and all it cost her was a cool $127,000 … TMZ has learned.

Cyrus dropped by a Mercedes Benz dealership in Encino, CA last week … and drove off the lot in a brand new white 2012 SL550 convertible.

Sources close to Miley tell us … the former Disney star paid for the entire thing up front … because she can.

The best part … Miley didn’t even turn in her old car … a bodyguard drove it back to her pad so she could joyride in her new toy.

The lesson – it’s good to be rich.

Source: TMZ.com