Am I Able to Use Multiple Credit Cards or Combine Payment Methods for a Car Down Payment
Yes, in many cases, car dealerships are flexible and will allow you to use a combination of payment methods for your down payment.
This can be particularly useful if you’re trying to hit a specific dollar amount on a credit card for rewards, but the dealership has a low credit card limit, or if you simply want to spread out the payment.
Also read: Do Car Dealers Take Credit Cards for Down Payment? 5 Shocking Facts That Could Save (or Cost) You $1000s
For example, you might put the maximum allowed on one credit card, then cover the rest with a debit card, a bank transfer, or a cashier’s check.
Some people even use two different credit cards if both have sufficient credit available and the dealership’s system allows it.
The best way to confirm this is to simply ask your salesperson or the finance manager at the dealership. Be upfront about your intentions and ask about their policy on splitting payments.
They are generally quite accommodating, as their goal is to make the sale, and flexibility with payment methods can often seal the deal. Just ensure you’ve done your math and are comfortable with the amounts going on each payment method.
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