I went and looked at a Mini Cooper on Saturday.  Nice car.....made an offer of 9k....they were asking 10K....settled on $ 9300.  So I apply for financing, and they call me back saying I'm approved at 8% for 36months, with 2K down.  I say "I can't put anything down" and he breaks down the numbers saying the sell price is 11K......I say I bought the car for $ 9300....finance guy obviously didn't get together with the salesmen (dealer owner) 

I say...."there is your 2K".......LOL

I haven't heard back from him.  It' obvious that he sent it into the bank for approval at 11K.  The bank said they would only finance 9K.

I shouldn't have to put anything down....right?