I found the car of my dreams but the dealer says that I have to have a down payment. When I said I didn’t have the money the dealer said that if I add a GPS and a stereo he will be able to get me a loan for the full amount. What should I do?

Ask the dealer why you can only get approved for the full amount with a GPS and stereo, and ask the dealer to put the offers in writing. The dealer may be trying to scam you into buying the add-ons by telling you that the only way you can get the loan is if you buy the GPS and stereo.