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Zero Down Payment Car Loans - How to Get One

Despite the plethora of advertisements to the contrary, there are very few car lenders who will truly approve car loans with zero money down. That said, dealers have developed several solutions to enable people to get a car loan with no down payment. Let's look at these methods in detail.

While “money down” may sound like nothing but cash-money, it can actually mean “trade equity.” This means you're able to trade in your existing vehicle, and the dealer will put the cash value of it towards your new car as a form of a down payment. In this way, no cash down payment is actually required! Additionally, dealers may actually inflate your trade equity as a means of helping you afford reach the down payment required by whoever your auto loan lender is. The dealers are as motivated to sell you a car as you are to buy one. So while the market value of your used vehicle may be only $1000, the dealer may not be able to find a loan that will approve you with less than $1200 as a minimum down payment. So what your dealer does is credit you $1200 ($200 extra) for your trade-in. Of course, this makes the price of your new car jump from, say, $12,500 instead of $12,700.

A second method that some bad credit lenders may consider is that some dealers will offer new car rebates from the manufacturers. Sometimes these can be converted into a down payment. But be sure that your new car rebate is in the form of customer cash, not a dealer cash rebate. Each of these options should help you to get out the door with a
zero down car loan
, even if your lender does indeed require a minimum down payment.

Find Car Ttx On eBay Below:

BRAND NEW Athearn Genesis TTX f89f 89 flat car
BRAND NEW Athearn Genesis TTX f89f 89 flat car
$39.50
Walthers TTX heavy duty 4 truck flat car
Walthers TTX heavy duty 4 truck flat car
$70.00
Walthers TTX heavy duty 4 truck flat car
Walthers TTX heavy duty 4 truck flat car
$70.00
ATLAS HO 20004107 F89J Flat Car Triple Hitch RTTX Large TTX Logo Road 601310
ATLAS HO 20004107 F89J Flat Car Triple Hitch RTTX Large TTX Logo Road 601310
$39.99
HO Con Cor TTX DTTX Container Well Car with 48 Allied Container 0001 198701
HO Con Cor TTX DTTX Container Well Car with 48 Allied Container 0001 198701
$34.00
HO Walthers TTX Trailer Train 75 Flat Car with 40 Sea Land Trailer UPGRADED
HO Walthers TTX Trailer Train 75 Flat Car with 40 Sea Land Trailer UPGRADED
$29.00
HO Walthers TTX Trailer Train 89 TOFC F89F Elephant Flat Car 932 4951
HO Walthers TTX Trailer Train 89 TOFC F89F Elephant Flat Car 932 4951
$19.00
Athearn HO RTR Maxi III Well Car TTX1991 1 5 ATH15597
Athearn HO RTR Maxi III Well Car TTX1991 1 5 ATH15597
$118.98
Bowser 53 spine car 3 unit pack 40543 TTAX TTX UNIT 355115 EXECUATIVE LINE
Bowser 53 spine car 3 unit pack 40543 TTAX TTX UNIT 355115 EXECUATIVE LINE
$52.99
Vintage HO Sale Athearn 85 TRAILER TRAIN TTX 513114  100147 2 Flat Cars MIB
Vintage HO Sale Athearn 85 TRAILER TRAIN TTX 513114 100147 2 Flat Cars MIB
$24.95
BLMA Models HO TTX ACF F89 J 89 Flat Car PTTX 601466
BLMA Models HO TTX ACF F89 J 89 Flat Car PTTX 601466
$28.99
BLMA Models HO TTX ACF F89 J 89 Flat Car PTTX 601428
BLMA Models HO TTX ACF F89 J 89 Flat Car PTTX 601428
$30.00
BLMA Models HO TTX ACF F89 J 89 Flat Car TTX Yellow 601035
BLMA Models HO TTX ACF F89 J 89 Flat Car TTX Yellow 601035
$26.95
BLMA Models HO TTX ACF F89 J 89 Flat Car TTX Yellow 601292
BLMA Models HO TTX ACF F89 J 89 Flat Car TTX Yellow 601292
$26.95
Kato 309050 HO TTX New Logo Gunderson MAXI IV Double Stack Well Car Set
Kato 309050 HO TTX New Logo Gunderson MAXI IV Double Stack Well Car Set
$105.00
Athearn RTR 98914 TTX Maxi I Well Car Late 751472 5 car pack HO
Athearn RTR 98914 TTX Maxi I Well Car Late 751472 5 car pack HO
$135.98
Athearn RTR 98912 TTX Maxi I Well Car Late 750657 5 car pack HO
Athearn RTR 98912 TTX Maxi I Well Car Late 750657 5 car pack HO
$135.98
Intermountain 47305 03 DTTX TTX Repaint Thrall Container 5 Car Set 62083 HO
Intermountain 47305 03 DTTX TTX Repaint Thrall Container 5 Car Set 62083 HO
$103.96
Intermountain 47305 01 DTTX TTX Repaint Thrall Container 5 Car Set 62024 HO
Intermountain 47305 01 DTTX TTX Repaint Thrall Container 5 Car Set 62024 HO
$103.96
HO TTX Thrall 5 Unit Articulated Double Stack Car Decals Microscale 87 788 b
HO TTX Thrall 5 Unit Articulated Double Stack Car Decals Microscale 87 788 b
$6.99
Microscale Decal HO 87 471 Trailer Train TTX Spine Cars Impack Front Runne
Microscale Decal HO 87 471 Trailer Train TTX Spine Cars Impack Front Runne
$7.50
Microscale decals HO 87 670 Trailer Train TTX Husky stack container cars M21
Microscale decals HO 87 670 Trailer Train TTX Husky stack container cars M21
$9.75
Microscale decals HO 87 722 TTX Thrall stand alone + 3 unit d s cars M21
Microscale decals HO 87 722 TTX Thrall stand alone + 3 unit d s cars M21
$7.25
WALTHERS 932 33155 63 PULPWOOD CAR 3 PACK TTX TTPX
WALTHERS 932 33155 63 PULPWOOD CAR 3 PACK TTX TTPX
$119.99
WALTHERS 932 3155 63 PULPWOOD CAR TTX TTPX 82071
WALTHERS 932 3155 63 PULPWOOD CAR TTX TTPX 82071
$39.99
Intermountain HO Assembled Maxi IV Stack Car DTTX TTX 726211
Intermountain HO Assembled Maxi IV Stack Car DTTX TTX 726211
$17.50
Intermountain HO Assembled Maxi IV Stack Car DTTX TTX 726328
Intermountain HO Assembled Maxi IV Stack Car DTTX TTX 726328
$22.50
Intermountain HO Assembled Maxi IV Stack Car DTTX TTX 726451
Intermountain HO Assembled Maxi IV Stack Car DTTX TTX 726451
$20.50
Intermountain HO Assembled Maxi IV Stack Car DTTX TTX 726507
Intermountain HO Assembled Maxi IV Stack Car DTTX TTX 726507
$23.50
Athearn HO Scale 50 Flat Car TTX 475009 and 40 Railway Express Agency trailer
Athearn HO Scale 50 Flat Car TTX 475009 and 40 Railway Express Agency trailer
$65.00
ATHEARN RTR Trinity 57 All Purpose 3 car Spine Car TTX 360878 NIB
ATHEARN RTR Trinity 57 All Purpose 3 car Spine Car TTX 360878 NIB
$30.00
HO TTX Maxi IV 3 Unit Well Cars  Hub Group 53 Containers Microscale 87 1429
HO TTX Maxi IV 3 Unit Well Cars Hub Group 53 Containers Microscale 87 1429
$6.99
Microscale  87579 Trailer Train TTX 89  Long Runner Flat Cars HO MIB
Microscale 87579 Trailer Train TTX 89 Long Runner Flat Cars HO MIB
$7.84
Plano Model Products HO 40 ft 5 Unit Set Container Car Walkways TTX Style 147
Plano Model Products HO 40 ft 5 Unit Set Container Car Walkways TTX Style 147
$2.49
Walthers Mainline CN SD70ACe Locomotive and TTX 53 3 Unit Well Cars Containers
Walthers Mainline CN SD70ACe Locomotive and TTX 53 3 Unit Well Cars Containers
$323.43
HO C8 Walthers All Purpose Stand Alone Husky Stack Car TTX Rd 456159
HO C8 Walthers All Purpose Stand Alone Husky Stack Car TTX Rd 456159
$15.42
HO TTX Thrall 4 unit Double Stack Cars 1991+ Decals Microscale 87 732 b
HO TTX Thrall 4 unit Double Stack Cars 1991+ Decals Microscale 87 732 b
$6.99
HO Scale Walthers Trailer Train TTX Front Runner Piggyback Flat Car Intermodal
HO Scale Walthers Trailer Train TTX Front Runner Piggyback Flat Car Intermodal
$9.03
Intermountain HO 47305 Thrall Container Well Car Set DTTX TTX Repaint62024 5
Intermountain HO 47305 Thrall Container Well Car Set DTTX TTX Repaint62024 5
$23.50
Intermountain HO 47305 Thrall Container Well Car Set DTTX TTX Repaint62044 5
Intermountain HO 47305 Thrall Container Well Car Set DTTX TTX Repaint62044 5
$38.00


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stack cars draw bar 1991 nip, atlas 20004096 ho ttx 1970s f89j flat car midend hitches 601327, atlas 20004088 ho ttx 2000s 89 f89j flat car with deck risers pttx 602159, atlas 20004093 ho ttx 1970s f89j flat car midend hitches 601003, atlas 20004099 ho ttx f89j flat car midend hitches 601089, atlas 20004105 ho ttx f89j flat car triple hitch rttx 601067, atlas 20004106 ho ttx f89j flat car triple hitch rttx 601277, atlas 20004095 ho ttx 1970s f89j flat car midend hitches 601221, atlas 20004103 ho ttx f89j flat car triple hitch rttx 600960, atlas 20004094 ho ttx 1970s f89j flat car midend hitches 601104, atlas 20004102 ho ttx f89j flat car midend hitches 601333, atlas 20004101 ho ttx f89j flat car midend hitches 601199, atlas 20004100 ho ttx f89j flat car midend hitches 601150, atlas 20004108 ho ttx f89j flat car triple hitch rttx 601544, atlas 20004092 ho ttx 1970s f89j flat car midend hitches 600999, atlas 20004089 ho ttx 2000s 89 f89j flat car with deck risers pttx 602270, atlas 20004086 ho ttx 2000s 89 f89j flat car with deck risers pttx 602052



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