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if your credit isn't very good, this is the perfect chance to improve it. When I bought my first car, I asked "whats the smallest down payment I can make to get the lowest interest rate?"
I was similar to you, except I only had like 2/3 of the cash needed. I had a good credit score, but no history. Credit unions are usually a good place to get a decent rate, but see if the dealer can get something better. I used my first car to help build credit, I think its paid off.
To sum it up: If you think you will get any loans in the future(car, house, whatever) use this opportunity to improve/build credit easily.
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