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I found the car of my dreams but the dealer says that I have to have a down payment. When I said I didn't have the money the dealer said that if I add a GPS and a stereo he will be able to get me a loan for the full amount. What should I do?

Ask the dealer why you can only get approved for the full amount with a GPS and stereo, and ask the dealer to put the offers in writing. The dealer may be trying to scam you into buying the add-ons by telling you that the only way you can get the loan is if you buy the GPS and stereo. 

Report dealers making offers like this to your state attorney general.

You can also shop around at other dealers and lenders. Knowing your options will help you negotiate the best overall deal.