Should I finance my car with a down payment for a car or should I zero down and refinance later?

I've been thinking about getting the Honda fit for a while now and my budget is about 10000 for the car. I make about 1200 a month and even though I have good credit, it's been less than a year since I started building credit. I can afford 300 a month but if it's less than that then I'm cool with that too. I currently have a 2002 Honda accord that my dad bought for me two years ago and it's already salvaged. And I recently like two days ago found out that I have really bad frame damage

Finance car with a down payment

Income is too low to finance. Certainly not with zero down.

You can't afford it, plain and simple. Besides, no one will give you a car loan with that level of income. Your dad would have to cosign.