Can You Buy a Used Car Without a Down Payment?
Author:
Miia Väänänen
Copywriter
Published:
30.06.2021
Updated:
15.10.2026
Yes — at Saka you can buy a used car completely without a down payment. Our financing is pre-arranged through several financing partners, so we can offer an instalment plan that gets you behind the wheel straight away and lets you pay in equal monthly instalments — without having to put any money down at the point of sale. We currently have over 4000 cars in stock, and most of them can be financed this way.
How does no-down-payment financing work at Saka?
In practice, the process goes like this:
- Choose a car from our selection of over 3,800 vehicles at saka.fi.
- Check the financing calculator on the car's listing page, which shows an indicative monthly instalment for different loan terms.
- Contact a salesperson — they'll confirm the solution that fits your situation, including the option to buy without a down payment.
- Once financing is approved, the car is yours right after the deal is signed.
The figures in the financing calculator are always indicative; your final offer depends on factors such as your credit history and the loan term you choose.
How much would the monthly instalment be without a down payment?
The monthly instalment depends on the car's price and the chosen loan term. Here are a few examples from Saka's current selection to illustrate how the calculation works:
- BMW 330e (F30 Sedan, 2018, 180 000 km) — priced at 16 400 €, example instalment from 229 €/month.
- Polestar 2 Launch Edition (2021, 111 000 km) — priced at 31 700 €, example instalment from 319 €/month.
- BMW iX3 (2021, 115 000 km) — priced at 33 800 €, example instalment from 339 €/month.
These are illustrative calculations, not fixed offers — you'll always get the exact, personalised monthly instalment from our sales team or the financing calculator on the car's own listing page.
What should you keep in mind when buying without a down payment?
Buying without a down payment doesn't mean financing is automatically approved for everyone. As usual, the financing decision depends on factors such as your credit history and income. The longer the loan term you choose, the smaller your monthly instalment — but the more you'll pay in interest and fees overall. It's worth choosing your loan term based on your own financial situation, not just the lowest possible monthly payment.
Summary
At Saka, you can buy a used car without a down payment through our pre-arranged financing. The monthly instalment is based on the car's price and the loan term, and you'll always get the exact figure from the financing calculator or a salesperson. A car bought on an instalment plan is yours right after the deal is signed, and you're free to sell it on whenever you like.
Browse our selection of over 3 800 cars and find a car you can buy without a down payment.
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