It depends on the dealership, it depends on your credit and a number of other factors. There is no "have to" have, but it's certainly easier to get a better rate if you are coming with 10% or 20% of the amount you are financing. Let's say it's going for 50K. If you can put 5K down, you're probably fine. If you can put 10K down, you stand to get a better rate, not to mention lower monthly payments because of less financed. There probably won't be any 0% financing offers because it's a brand new model and will be popular, but given the economy, you never know. You are just going to have to shop around and do your research as far as financing. Check with YOUR bank too, don't necessarily rely on the dealerships banks or Chrysler Financial.