Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering

Is there any reason not to put a 35% down payment on a car?
If you know that you have a reasonable credit history, and you know that your FICO score is in the 690-neighborhood, and the dealer tells you that you have no credit history, then you also know one of two things: Either way, you should walk away from the deal.  If the dealer is willing to lie to you about your credit score, the dealer is also willing to give you a bad deal in other respects. Consider buying a cheaper used car that has been checked out by a mechanic of your choice.  If possible, pay cash; if not, borrow as small an amount as possible from a credit union, bank, or even a very low-interest rate credit card.  (Credit cards force you to pay off the loan quickly, and do not tie up your car title.  I still have not managed to get my credit union loan off of my car title, ten years after I paid it off.)