No! A down payment is your choice, that's if you have a 700 plus credit score. If not your lender will determine how much down payment is needed based on how much $$$ you plan on borrowing. If you belong to a credit union apply for a car loan through them, then go to the dealer and find the vehicle you want. The only thing you ever want to do at a car dealership is buy a car. Secure the loan on your own! at the financial institution of your choice if possible.
J South's advise is on point , choose what will work best for you.
Yes how much depends on your credit rating
Yes a 20 % down payment is usually preferred.
Yes a down payment
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