Always, the more money you put down the less is financed so it lowers the payments for the same amount of time.
That's the way it works in theory, but in reality, they just take the extra money, give you higher payments anyway, and laugh about it after work, over beers-
Paying more on an existing loan will not change your payments but a big down will either shorten the term of the loan or make the payments less.
The more you put down on the final price the less you're borrowing so your payments will be lower as long as the term and APR stay the same
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