 TITLE: Can I Buy a Car With No Money Down? CONTENT: Alternative Car Financing Options\n---------------------------------\nMany people default to financing a new car through the dealership just because it's easy. However, third-party financing from a bank or credit union almost always offers better terms than dealer financing. If you've investigated third-party financing options and still can't afford the new car you want, consider these alternatives:\n*   Look for a cheaper car.\n*   Delay buying a car until you save up a down payment. (You can also use this time to work on improving your credit score, if necessary.)\n*   Buy a used car. Since used cars have already depreciated, you can put down a small down payment without the risk of being upside down on the loan.\n*   Get a cosigner on your car loan.\nWhile zero-down financing may sound tempting, it's generally not the wisest way to finance your new wheels. Buying a new car with no down payment can saddle you with higher monthly payments. Even worse, you could end up owing more than the car is worth. Instead of using zero-down financing, consider other options for getting the car you want at a price you can really afford. END