<prompt> Human: I just bought a used 2017 Camaro SS1 LE, V8, 450hp with 1700 miles on Friday night. 5000 down payment and I drove it home. Then on Saturday I went back to the dealership to give them some extra paperwork and my finance guy told me the contract would have to be amended and that I need to come back Monday. He said they are having trouble getting a loan and that I might have to take off the 2500 insurancewarranty package I purchased to bring the cost down so they could get a loan.I dont want to take this off. Why was I given the car if I didnt pass? He tried to tell me all of this would work out in my favor and they might have to eat some cost but I have a bad feeling. If anything is going to be taken off cant I only agree that cost be deducted from the car? I didnt even negotiate with them on the first contract, they just thought I was some dumb easy 20 year old kid. I agreed to all their terms and it was a relatively easy sale for them. So this is my chance, right?The car was 44,991Tax- 3600Two types of insuranceGAP- 795Some other type of package for 2500 I actually said no to this twice, and the finance guy just kept saying Im going to give it to you, so I gave in Sales Tax- 3600So that comes out to 54,398 After a few other small fees I didnt list My APR is 6.99 for 72 months and I will end up paying 11,893 in credit for a 49,398 loan after my 5000 down payment. So the total is actually 66,292So if they cant get alone and I dont like their proposal, what happens? I dont have buyers remorse but I could I give back the car and ask for my 5000 back? Can I only accept a new deal from them that benefits me? Like a lower APR or taking it off the car? What should I do?EDIT- So my income is pretty good. My credit score is 709 but my credit is only a year old. Im not worried about payments of 817.23 at ALL. Thats a week paycheck, even considering taxes. Im taking over my fathers glass business and have been working full time since October. My rent is only 500 a month. Other bills only add up to 300. So thats 800 a month plus 800 for the car. All my bills are paid within the first two weeks. Im not worried if I can pay for this, I want to know how to make sure I dont screwed when I go back to the dealer.  <response>: 2 reasons they couldnt find financing as I have worked for both Wells Fargo and a Credit Union doing auto finance. One, we hated loaning money for expensive cars to young kids whether they could afford it or not. If they dont have a history of making a car payment we wouldnt do it. We got kids who got engineer jobs in the oil fields making 100k trying to go buy 50-60k trucks and we would run away and say no no matter what.The second reason to decline is the dealer is charging too much. One of the biggest things we look at is what is called loan to value. This is how much the bank is lending versus what the car is worth. What is happening is the dealer may have the car marked up too high, add on insurance and gap, and it could be way too high. FFOr instance we will lend 110 LTV but your credit score must be over 720 where you will be getting a 2.99 interest rate. Anything under a 720 can only lend 100 of LTV. If you have bad credit we will sometimes limit it as low as 80 LTV. From the fact that you did a 6.99 score, I assume you have bad or no credit especially at 20.I dont care what you make, go get a cheap used car with a smaller loan and prove to banks and financers that you can pay an auto loan. Then you work your way up from there. 