Most lenders for first-time or "no credit" buyers require at least 10–20% down. A larger down payment reduces the lender's risk and lowers your monthly payments.
Nonprofit Credit Unions are often more flexible than big banks and may offer "credit-builder" loans designed to help you establish a history while paying off the car. can you buy a car with no credit
Many major manufacturers and local dealerships offer special programs specifically for people with little to no credit history. These often require proof of full-time employment and a certain income level. Most lenders for first-time or "no credit" buyers