Criminal record? Where are you guys getting your loans from.
If you're getting it from the dealership, on a $24k car, a job and an not terrible credit report should be enough. The last car I bought I got a 0% loan and all they did was check my credit, it was done in about 10 minutes.
As for a down payment, FWIW it might not be worth bringing it up. Dealerships love car loans, they make more money for the car through interest. I never talk about it with the salesperson, and never talk about your monthly payment, just talk about how much you want to pay for the car, and deal with the rest with the finance guy who has no real skin in the deal.
read any standard loan document, they can forefit a loan if it's found to be granted to someone with a record... most "quick" loans still run your SSN against a criminal database to check for felonies in addition to your credit history, it's been standard pratice for a long while now
I basically make 2-3 times the price of the base Camaro so I'll be fine.
I really do need to know what the added amounts to the actual costs are though.
you will pay dealer fees
transport fees (could be around $1,000, they transport it via rail, and truck and it costs a good bit depending on how far from the factory it has to go)
new car insurance fees
license and registration fees
costs for fuel when you pick up the car it won't be an empty tank
and if you take an extended warranty out it cost a good bit ($1,000+ for a factory warrenty, my last GM factory warrenty came out at $3k for 5 additional years)