<prompt> Human: This is a pretty stupid question... My bank chase offers Auto Loans, but they require a minimum amount of 7.5k. Im seeking out a car that is around 8k, and have 2k to use as a down payment. Is there anything stopping me from getting a loan for the full amount of the car, and then immediately putting the 2k down I have saved towards the loan? Is this a dumb thing to do?  <response>: As long as there isnt any early payment penalties, get the loan for 8K and on your first payment, pay 2K on it. 