I don't like to say it... but you probably shouldn't be buying a Crossfire. The bank is essentially telling you the same thing. If you put nothing down and then for some reason you have to sell, where are you going to get the money to pay off the debt since you will be upside down for much of the loan term? Also, you have to consider the typically more expensive repairs and maintenance you get with a sports car. And so far, the Crossfire has depreciated at a faster rate than many owners would have liked which is probably a major reason the bank wants the $5K down payment.