<prompt> Human: Recent college grad- starting real life. I need to buy a car by the end of January, but I cant seem to get a loan. Ive never bought a car, or financed high ticket items, so the banks see me as high risk. My transunion and equifax scores are about 730. Ive NEVER had a late payment, utilization around 20 on my two credit cards. FICO score of 772. I thought getting a loan would be MUCH easier, Im not even getting offers with high interest rates. I am looking to finance about 25k, I have 2k cash for down payment. Started my current job in August, am making about 75k pretaxes. I thought auto loans were the easiest to obtain! Any recommendations on banks, or ways that I can be seen as more credit-worthy?  <response>: You dont need a 27k car. Buy something cheap you can afford. Dont finance luxuries. 