DOWN PAYMENTS TYPICALLY RANGE FROM $99 TO $1500 DON'T WORRY ABOUT BAD CREDIT! Credit scores are mainly used by new car dealerships; we don't pay a whole lot of attention to credit scores. We look at what happened to you and why. WE ARE CONCERNED ABOUT YOUR FUTURE, NOT YOUR PAST. ALL YOU NEED TO QUALIFY: Valid driver's license, proof of income, proof of residence and ten references.