The down payment is cash that you hand them.
The down payment isn't something you make monthly payments on. Unless you borrowed the Cash from somewhere else and gave it to the Dealer.
You can finance cars with $0 down payment, but it's usually more expensive.
Also once you have arranged financing. You take the SUV home right away. You don't pay for it while it's on their lot.
So the info you give, you would have to hand them $10,000 up front, then finance the remainder for 48 months or 4 years before it would be fully paid off. But the SUV would be yours the day you drive it off the lot after making the down payment.
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