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