Large franchise dealers (e.g., Ford, Toyota, Honda) often have access to like Ford Credit or Toyota Financial Services. These lenders frequently offer promotional $0 down programs for new or certified pre-owned (CPO) vehicles, especially for buyers with prime credit scores (typically 700+). During seasonal sales events, these dealers may also offer "sign and drive" leases that require no down payment. 2. National Online Retailers
Since you aren't reducing the principal balance upfront, your monthly installments will be higher.
Platforms like and CarMax have streamlined the $0 down process.