No, you cant order any Plum Crazies, they are all built, but still in transport. Depending you your credit and what you can afford a month is what determines your down payment. Rule of thumb is " for every 1000 you put down, it cuts 17 dollar a month from the payment" So, with that being said, on a 37k car, if you put 8000 down, you will pay about 500/ month, you put 1000 down, you will pay about 600 a month. IMO, id rather keep the downpayment and spend it on the actual payments, this way you are not broke. Now, if you cant afford 500-600 a month, you are better off just saving up and buying a car down the line. Nothing looks worse on a credit report than late bills or Repo. (this is on a 72 month loan)