Can I get an auto loan with no down payment or a small down payment?
If you have no money for a down payment, or want to get an auto loan with no down payment or even if you just want to make a small down payment, you can still get an auto loan. One alternative you might consider is to use your trade in as a down payment. A loan is all about the total amount financed, so having a car to trade in means that you will have less to pay back.
The down payment amount will be determined at the time of approval by your selected lender. You may find that your lender offers loans with no down payment, but some lenders may require a down payment up to $1,000 or 10% of the sales price. Positive trade equity in your current auto can be used towards your down payment and therefore lower the down payment for your next auto loan. Work with your selected lender to determine your specific down payment requirements.
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