<prompt> Human: Hello, Created a throwaway for this. My wife and I are trying to buy a new car. Some back story: My spouse and I moved to Georgia a year ago, weve been living with my in-laws. We pay rent and half the utilities. We have one car and need to purchase an additional car so that we can move out and closer to Atlanta the commute is killing us. So now what?: Were looking at a 2015 Honda Accord Hybrid. Ive had this job for nearly 6 months and make 100k a year before taxes so I think it comes to around 75k after taxes taxed heavily as were not home owners yet. I have 5k saved up and its growing slowly but steadily holidays were a big hit. I have one credit card through Wells Fargo with a limit that was just increased to 1500, we use it for groceries and gas and try to not under utilize it but also not spend with it like crazy.I know my credit score is around 630-ish 695 via Credit Karma but Ive only had a credit card for less than 2 years. A few months back we went to a dealership and it was a rough experience. They tried to game us a bit but also said that my credit scorehistory wasnt anything they could hang their hat on and the best they could offer is an APR of 20. We walked out as soon as they said that.I feel pretty discouraged, I feel like other people with more debt and smaller income could more easily get a car. Im considering going to my bank and seeing how good of a loan I can get because I think my credit score is still too low to qualify for manufacturer financing.Ive read a lot on here and just wanted to see if there was specific advice for my scenario. Any advice for my situation? What am I doing wrong?TL:DR Good income. Average credit score, short credit history. Savings growing. Cant figure out why I cant get a good APR. Help!  <response>: I think the first thing is you need to figure out where all your money is going. 5K with 100K job, no mortage payment.. Thats where I would start. 