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: Driving off with no money down often results in immediate "negative equity," where you owe more on the loan than the car is worth, especially as used cars depreciate quickly. Critical Considerations & Hidden Risks

: Instead of credit scores, approval is primarily based on proof of income and stability of residence . buy here pay here 0 down payment

: Because $0 down increases the dealer's risk, they often compensate by charging higher interest rates (frequently 20%–25% or more) and inflating the vehicle's sales price. : Driving off with no money down often

In a BHPH model, the dealership acts as the lender, financing the car in-house instead of using third-party banks. the dealership acts as the lender