This will be my first time buying a car my credit is okay around the like 530 still working on it how much would I have to bring in? I have a steady income been at my job for years will the 0 down program work in my favor?

With a 530 credit score you will not qualify for the 0 down program. You need like a 640 and higher score to qualify. If your DTI is not that high and you don't have too much debt such as credit cards or student loans you may qualify with a down payment of at least $1000 but be prepared for high interest (18% and higher) and a car note around $400 to $500 monthly. I suggest you get your score over 600 before you apply. You can do that by obtaining a credit card or join a credit union and get a signature loan starting at about $500. Pay that $500 back in a month and do it again for about 4 months. You score will go up 25 to 50 points each time you pay it off. But wait until the loan show on your credit report before you pay it off which takes about 30 days. Do that along with paying all the bills that are on your credit report in full and in time and you can have the score you need in about 90 to 120 days. You must be patient & disciplined to get where you want to be!

I highly recommend them. They were great to me. I traded in my bucket, got 4500 hundred for it and only put down 500$ dollars I came home with a 2019 Kia sorento. I'm happy I'm sure you would be too. Good luck tell them I sent you my name is Aisha Syms