I remember back in 2008 before the bank crash.. I went to a ford dealership that was selling a used 2004 yellow z3 hatch with 20k on it for 10 grand. My credit score was 780 and I had a down payment of 4k out of 10k. I was denied the loan.
A few years ago, I went to the gym for several months and lost 30 pounds. That must be worth about 1% more fuel economy in the city.