<prompt> Human: hey im a younger man20yo, and i have a credit score of 762. i found a plan for a car loan for 22000 loan at 2.8 apr for 60 months,, and got denied, I make around 20000 a year and no debt or current loans, can I get some insight as to why they denied my loan Im really frustrated and want an answer and they did not give me one, thanks!  <response>: Too low of an income for that much a loan would be my guess. 