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The higher the down payment, the more leverage you got. Want to try adding another 5K to that? You'll have more time to even out your credit score and you'll have more to put down. Once your down payment gets high enough, then the bank would be foolish NOT to finance you since even if you default, they repossess your car and will make money off that, PLUS keep the huge chunk of change you put down. They'd get a nice bag of cash in that case.
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