re: What's a smart down payment for a $25-$30k vehicle?

I financed my first vehicle at 18. I'm saying at 22 you don't necessarily have the most time in tge world to build great credit.

Fwiw it's a 2011 charokee. Something safe for the baby that doesn't scream soccer mom and isn't bad for me to drive as well. If I were getting something id tear up and regret it would be another Z-71. But thanks for your oh so sincere concern.