<prompt> Human: Pre-ramble: My old car died after 9 years of reliable service, without warning. Im looking at a 2010-11 honda civic for around 10,000. Ive got 1,000 to put down and a credit score of 784, but the bank we have a home improvement loan and 2 credit cards denied us.Seriously, were paying double the minimum on both cards and were only late on one payment to one card because I thought I pressed send, but didnt five years ago.We were applying to the bank because they had the best published rate on used car loans 2.49 and that would work out to the 150mo. I was willing to pay for a car.Options as I see them are:Go to another bank and see if I get a better deal or try and finance through a dealership? I really thought I hit the sweet spot with caramount, but Im worried I wont find someone to play ball.EDIT: Should I print a copy of my credit score to take with so they dont keep dinging my history? Also, I am in Dallas, TX should any other recommendations come my way.  <response>: Definitely shop around. Youve got good credit and a down payment. 