$0 down financing
Drive a certified used car with no down payment.
Saving for a down payment while paying Metro Vancouver rent is a slow game. With Spinny's lender network, qualified buyers finance 100% of the vehicle — taxes and fees rolled in — and drive away the same week with $0 due at signing. Every car still comes fully Spinny Assured: 150-point inspection, 6-month warranty*, 7-day exchange, CARFAX included.
What $0 down actually does to your payment
No down payment doesn't mean hidden costs — it just means you finance the full amount. Here's the honest math on a typical $20,000 vehicle over 72 months:
| Down payment | Amount financed | Bi-weekly payment* |
|---|---|---|
| $0 down | $20,000 + taxes & fees | ~$185 |
| $2,000 down | $18,000 + taxes & fees | ~$168 |
| $4,000 down | $16,000 + taxes & fees | ~$151 |
*Illustration only, at 8.99% APR over 72 months — your rate depends on your credit profile and the vehicle. Every listing on our site shows its own bi-weekly estimate, and the payment calculator on each vehicle page lets you set your exact down payment and term.
How it works
1. Pre-qualify online — two minutes, soft check, no documents needed to start. 2. Pick your car — every Spinny vehicle qualifies, from under $15,000 to luxury. 3. We shop lenders for you — one application, multiple lenders, best available rate. 4. Sign and drive — at the showroom or with BC-wide delivery.
Not sure what fits your budget? Tell us your target payment and we'll work backwards — or use the car finder and we'll source something that fits both the payment and the wishlist.
No-down-payment financing — common questions
Can I really buy a car with no down payment in BC?
Yes. We work with lenders offering 100% financing on approved credit, so qualified buyers drive away with $0 due at signing — taxes and fees can usually be rolled into the loan.
Do I need good credit?
No. We arrange approvals across the credit spectrum — strong credit, new credit, newcomers, and past bankruptcies. A stronger profile earns a lower rate, but income and vehicle choice matter as much as the score. See our bad-credit financing page for the details.
Does no money down mean higher payments?
Slightly — you're financing the full price. On a $20,000 car over 72 months, the difference between $0 and $2,000 down is roughly $15–18 per bi-weekly payment.
Does pre-qualifying hurt my credit score?
No. The online pre-qualification is a soft check. A full application only happens when you decide to proceed.
Can my trade-in be the down payment?
Yes — and it's often the smartest route. We appraise trade-ins same-day and apply the value directly, so you keep your savings. Value your trade →