<prompt> Human: 39k salary. 770 FICO score. 26 male. The car is more than 7 years old so Im sure thats a part of it. Also, I was unemployed for two years before my current job, so maybe that impacted it too. I dont really know what else I would do to get a better rate in the future? I took the 7 cause it was best I could find, but I really was expecting like 5 with my credit history. My dads credit score is same as mine and the same bank recently gave him 1.9, so Im assuming its other factors like lower income, younger age, first auto loan, no home ownership, older car, short employment history, etc that are causing my higher rate?  <response>: It is 100 about the age of the car. Its a MUCH higher risk and lenders really dont want to finance it in the first place. Realistically its a TERRIBLE idea to finance a vehicle that old. That is being reflected in the rate. Edit: Take the hint and find a slightly newer car. 