How about zero down payment . Do not finance through a dealership . If you have a bank that you work with or credit union , apply for a car loan through them . I did this a couple years ago. Check sent right to dealer boom , done . If you do , do not tell the dealer until you agree to contract , cause once they find out you’re not using them for financing you lose bargain power on price . They make bank on financing . Plus is your bank or credit union could have better rates . The dealer couldn’t match my credit union rate and the sales manager was pissed when I rugged him after negotiating the price where I wanted it. Good luck