Zero Down Payment Options at GoAuto

At GoAuto in Lancaster PA, we have a variety of loan options to help you get a car you can afford. There are many different ways we make financing easier with factory offers, monthly specials and competitive rates. The specialists in our finance center are happy to work with you regardless of your credit or past payment history. If you're looking for a zero down payment option, we have a number of different choices and we'll be happy to talk with you about the possibilities.

Can I really get a car loan with zero down?

Yes, it's definitely a possibility and it's something we'll be happy to talk about with our valued York, PA and Reading, PA customers. The zero down payment option isn't right for everyone and you might be required to put a certain amount of money down in order to get approved.

If you have an excellent credit history and a good record of making car payments on time, you may not be required to make a down payment. Submit our online financing application to get approved for a loan in advance. If you have a lower credit score, it's more likely that a down payment will be required.

How can I make my used car loan more affordable?

One of the best things you can do is to buy a less expensive vehicle. You've already taken a good stepl by considering us at GoAuto. We have a variety of quality used vehicles in a lower price range, and that includes models priced at less than $25,000. You can also look at our pre-owned vehicle specials to see if there's a car at a lower price point that would work for you. That will allow you to borrow less money and if your credit is good enough, it can make it easier to qualify for a zero down payment loan.

Can I use my current car as a trade-in?

Absolutely. A down payment doesn't have to be entirely in the form of cash. It can include the value of whatever vehicle you have as a trade-in and it can be based on the trade-in value alone. That kind of approach might allow you to get what is effectively a zero down payment loan, using your current car to reduce the amount you have to borrow. If you'd like to explore that idea, fill out our online trade-in form.

Lebanon and York, PA buyers can use that form to provide us with some basic information about your vehicle's overall condition and history. We will then get back to you with an estimate of the trade-in value for your current car, truck or SUV. If you like our estimated offer, you can bring your vehicle to our dealership along with the title and any loan payoff information. We can then confirm the estimate in person and talk with you about whether an additional cash down payment will be required.

Some things you should know about a zero down payment loan

We're in the business of helping people get the used car they need while staying within your monthly budget. If we see a way for you to get a zero down payment loan, we can help make it possible. We do want our Harrisburg, PA customers to know that a zero down payment loan increases the amount you have to borrow and the amount you pay each month. If you don't have enough for a down payment, you might consider waiting until you can save up enough for a reasonable payment down the road. We'll explore every option to help you get the used car you need at GoAuto in Lancaster, PA.