Can I buy a car with zero down payment?

Yes, some lenders offer 100% financing, though you will typically pay a higher interest rate.

Is zero-down financing a good idea?

It depends. Zero down means higher monthly payments and more total interest paid over the life of the loan.

Most lenders require a score of 650 or higher for zero-down loans, though terms vary widely.

See real costs of zero-down financing before you sign.

Estimate your monthly payment, total interest, and payoff date before you sign.

Monthly payment

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Total paid over term

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Total interest

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Estimated payoff date

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Estimates are for illustrative purposes only and are not a financing offer. Taxes, fees, and lender terms may vary.

Ready to lock in financing? Take our pre-qualification tool for a quicker approval.