Deposit is not always needed with many finance companies, but if you have spare cash to use it will always help, as the more money that you put down, the less you will have to borrow in total, thereby lowering your monthly payments. Also, finance companies will look upon a large deposit favourably as you are reducing their risk. If they can see that you have invested some of your own money up front, they are much more likely to approve your car finance application. Again, many finance companies will not require a deposit.
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