And the answer to the No. 1 question is…

And the answer to the No 1 question is

Our distinguished professionals in the customer service department, who answer your phone calls, emails and chats, and provide answers to all of the questions that come from our excellent customers are back to wrap up the subject of “answers to the most-asked questions.”

We’ve saved the best for last. The question below is the No. 1 most-asked question of our customer service team, followed by the official answer:

Question: If I finance less, will my down payment be lower?

Official Answer: No. Given a certain vehicle price, the loan offer you receive at a given time will result in the same minimum down payment requirements. However, it may lower your monthly payment if you finance less, either by buying a lower-priced vehicle or by increasing the size of your down payment. Your preferred dealer may be able to provide additional financing options.

And that’s the story we’re sticking to.

The good news is that we just might have a place to get some great ideas for affordable cars. MSN Autos has released the Consumer Reports list of “Best cars under $20,000,” and we’re pretty impressed with these models.

Hyundai Elantra GLS – $19,220

The Elantra sedan is one of Consumer Reports’ top-rated small sedans. It’s well-equipped and roomy for the price.

Honda Fit (base) – $16,915

The Honda Fit four-door hatchback has good interior size, and is easy to love. The handling and fuel economy will please any driver.

Toyota Corolla LE – $18,975

The Corolla, Toyota’s small sedan offering, is relatively quiet and responsive. The interior is intuitive and solid.

Scion xB – $18,612

The Scion xB delivers good performance, maintaining an overall fuel efficiency of 23 mpg. A quiet cabin and a roomy rear seat and cargo area please fans of the brand.

Kia Soul Plus – $18,475

Oddly roomy for its overall footprint, the Kia Soul Plus delivers energetic acceleration. Cabin access is easy, with plenty of head room and spacious rear seating.

Chevrolet Sonic LT 1.8L – $17,455

The Sonic offers stable handling, a quiet cabin, heated seats, a sunroof and remote start function.

Hyundai Accent GLS – $16,320

Hyundai’s Accent is a sensible subcompact. The roomy front cabin and responsive handling are features that Accent drivers have come to expect from this line.

Kia Rio EX sedan – $17,545

The Rio EX sedan has a six-speed automatic and feels solid when driven on demanding courses. Amenities are on par for the subcompact class.

Mazda Mazda2 Touring – $17,845

The Mazda2 handles very well and features a roomy rear seat.

Scion xD – $16,900

The xD is a gas-sipper, averaging 29 mpg overall with the automatic transmission. Comfortable, roomy seating and easy cabin access make the xD a popular choice.

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