The combination of a higher principal and a potentially higher interest rate naturally leads to larger monthly installments. Qualification Requirements

Because you aren't paying anything upfront, your total loan amount is larger compared to a standard loan.

5 Car Buying Tips for Buyers with No Down Payment - Autoland USA

Lenders evaluate your existing monthly debts relative to your income to ensure you can comfortably manage the new payment. The Risks: "Underwater" and Negative Equity

Buying a car with is a viable financial strategy that allows you to drive off the lot without an upfront cash requirement, but it typically results in higher monthly payments and increased interest costs over the life of the loan. While convenient, this approach requires a strong financial profile and an understanding of risks like "negative equity". How Zero Down Financing Works