If I'm not able to put a down payment down will
that affect me getting a car or would y'all be willing
to work with me?
Cargurus doesn't finance, but they use Autopay, you can check with them.
Private sellers want cash or approved financing prior to transferring a title to a buyer. Dealers have financing available, or check other lenders around you. without cash up front, it won't be easy. and If you also have a low credit score it will be nearly impossible to get a car. If you really need a car "at any cost," there are used car lots who'll sell you junk at a high price and self-finance for you. It's a trap, but it might be your only choice.