Because she financed the entire purchase price, taxes, and fees, her monthly payments were slightly higher than if she had made a down payment.

She got the car right away without a big upfront hit to her bank account.

(since 0 down lease means no payment at signing) Calculating the interest cost difference Let me know which of these would help your situation.

She learned that while the down payment was zero, she still needed to cover the first month's payment, registration, and license fees at signing. If you want, I can help you with: Strategies to get 0 down with bad credit (e.g., 590-600)

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