<prompt> Human: My husband and I are in a big need for a new vehicle. I found one at the dealership for 13,000 2016 Toyota Corolla. I dont have any credit history I recently opened my first credit card but hasnt been long my husband has a credit of 670. My income is a little higher than his. The sales man said I could not get a car loan for the 13k because we had no credit or thin credit he said no bank or credit union would lend us money because we were considered high risk. He brought us an amazing deal on a new 2018 Corolla for 15,000 He gave us two option.1. He mentioned a loan for 15k at 22APR on a 72 month loan2. If we get approved through the Toyota bank?? it would be 15k at 9 for 72 monthsMy husband and I discussed before hand and did not want a long term loan. we want were aiming for a 48month -60months loan. We have put into consideration that a shorter term will mean higher payment but I know it be done. How should I go about this?? I feel like he was lying through his teeth. I am not familiar with getting cars at dealerships so I have no reference. Could someone help me make out of this?? I did liked the 2016 and it had great warranty. I am salty he didnt offer it. I feel like I was almost bamboozled. I feel like they just want a sale. We were ready to close the deal was getting the contract ready for us with the title in front of him he was saying we should sign a contract for both the amounts stated above so we could leave with a car today and if I didnt get approved for the 9 then we would have had a contact for the 22 big yikes. My husband wanted to but my gut said no way!! call me tomorrow so if I can get the 9. I tried to negotiate the months but he said they dont make the rates and months. That was the biggest yikes I had. We left and they looked super mad we didnt buy a car. Should I try a different dealership? Should I try with my bank? Should I try a credit union? P.s. I apologize for my grammar and spelling. Im on mobile. Edit. I will be going to the credit union and our bank to see if they can give us a better rate.  <response>: 22!? is INSANE. 9 is also ridiculous. Do you absolutley need a new vehicle right now? Waiting 3-6 months to build your credit could mean saving thousands. Do you have any money saved for a down payment or temporary cash car? 