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.
Also guys 1.9% ain't that great of a rate, did a deal the other day 1.59% 4,500 rebate plus $3,300 discount.