Finding the right car under $500 down in Schenectady, NY is just a few simple steps away. Each used vehicle in Schenectady listed can be bought with $500 down. Buy a car with 500 dollars down in Schenectady and get an auto loan with $500 down at a single convenient Schenectady New York location. Our Albany-Schenectady-Troy area used car dealers offer you the best chance to finance a used car in Schenectady with a low down payment and a monthly payment that fits within your budget.