Can I use a credit card to pay the down payment if I don’t have enough down payment to buy a car? Regarding the question of whether I can use a credit card to pay the down payment if I don’t have enough down payment to buy a car, there are two situations: First, if you apply When buying a car with a general loan (including bank loans and loans from other financial institutions), you can use a credit card to pay the down payment, and then apply to the bank for credit card installments. Second, if you apply for a credit card to pay for the car in installments, naturally you can no longer use the credit card to pay the down payment. If you still want to pay the down payment with a credit card at this time, you can only borrow someone else's credit card to pay for it.