That completely depends on what deal you make with the dealer or seller. If you buy from a dealer and finance the car, generally they will sell you a warranty (which you will pay extra for). That way they know the car will be functional for the full time you have the loan. If you buy from a private seller, you very rarely get a warranty, unless an existing original factory warranty is still in effect. Regardless where you buy it 90% of the time yes you need a down payment.