Yes! The loan should be down payment of 30%. For example, you should pay down payment of 30,000+tax+insurance for a 65,438+10,000 car, which is nearly 40,000! Then you choose to repay the loan in one or two years, and the monthly payment is about 1000-2000. I recommend you to use this scheme, paying 50% down payment first and 50% after one year, which is more cost-effective and avoids interest.