<prompt> Human: I have not so a great credit score high 500s to low 600s, and am looking to get a vehicle in the not so distant future. Lets say the vehicle would be 35,000 and they are asking for 2,000 minimum down payment. Lets say I have 12,000 that I could put towards the vehicle. My question is what is the best option?Put the 2000 down.Put a medium DP of 3-5k.Put a large DP of 8-12k.And with any of the choices should I pay more than the minimum payment each month or use my left over cash to pay it down quicker or one I have the loan, drop a large payment of most to all of the remaining 12k? Or should I take the remaining money and just invest it? Assume the interest rate doesnt change regardless of the DP amount.Thanks in advance for you help.  <response>: Ill start by saying, are you sure its a good idea to get a new 35k car? Think really hard about that. Its not usually the little expenses food, drinks, amazon purchases, etc. that cause people to get into financial situations they cant afford, its the big ones like buying too much car or too much house. You can buy a nice car for 12k, you should seriously consider that. I would give that advice to anyone, whether they make 10k a year or 150k.That being said, if your interest rate ends up being north of 3 I would make the biggest down payment possible and pay off the car ASAP. Otherwise youll get killed by monthly interest payments. If your rate ends up being low 0 to 3 then it doesnt matter as much. 