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It is recommended that you upgrade to the most recent browser version. Generally, a score of and up are required to secure a zero down payment car loan with a good interest rate. The person who signs with you will share ownership and payment responsibility, so it is important to pay your bills on time every month. No down payment loans present the highest risk for lenders.
Our auto finance experts will mainly review your credit history and your income when you apply. We do this to ensure that you can afford your monthly loan payments easily.
The more you make, the more likely it is you will be approved for a no down payment loan. There are many reasons for wanting a car loan with no down payment, but the most common is for its affordability. However, being able to afford a car loan is more than just tossing money down for the down payment.
The value of the car and the monthly payments also play a big part in the loan approval. Cars that are fairly priced and likely to maintain a steady value will have a higher chance of being approved for car loans than those which are not. Car Valuation. Car Buying Strategies. Key Takeaways If you need to totally finance your car purchase, Increasing your credit score can qualify you for better loan terms. Getting a co-signer might also let you buy a car with a down payment.
Be sure to shop around at dealers and lenders; the more you know about car loan rates and terms, the better a deal you can negotiate. Even a small down payment is better than none—so delay a car purchase, if possible, until you can come up with some cash. Article Sources. Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts.
We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy. Compare Accounts. The offers that appear in this table are from partnerships from which Investopedia receives compensation.
This compensation may impact how and where listings appear. Investopedia does not include all offers available in the marketplace. Related Articles. Car Insurance How to Buy a Car. Car Insurance How to Save for a Car. Partner Links. The five C's of credit character, capacity, capital, collateral, and conditions is a system used by lenders to gauge borrowers' creditworthiness.
Understanding Down Payments A down payment is a sum of money the buyer pays at the outset of a large transaction, such as for a home or car, often before financing the rest. Indirect Loan Definition With an indirect loan, the issuer or holder of the debt doesn't have a direct relationship with the borrower. Instead, a third party issues the loan, with the help of an intermediary. Investopedia is part of the Dotdash publishing family.
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