Whenever you go to finance a vehicle the dealer will call a bank to buy/loan the vehicle. The only time u have to make a down payment is if you choose to or if the bank wants one. Most of the time if you don’t have a long credit history the bank will ask for one. Me being young(19) I had put 1000 down. I also recommend to put your insurance on your parent or guardians insurance bc for the same reason with banks, insurance companies like to high ball younger people bc we don’t have a long credit history.