<prompt> Human: I was stoked. Found a great used vehicle for a price I was willing to pay, had a few grand as down payment, and a decent monthly income. What was working against me: no established credit. Worked out some kinks with the finance guys and secured a loan for 7100 for 60 months at 12, coming out to about 160 month. With a monthly income of 4900, and very little going out, it seemed like I had it in the bag. Signed all the paper work, got the truck insured, but had to do a paper run they said. All I had to do was bring in a few documents mail for proof of address, a few pay stubs, etc. Went back two days later and was told that the bank had changed their mind because I hadnt been employed for over 12 months at my current employer. As a professional painter, I tend to bounce around between employers and often do my own jobs. Both me and the finance guy were stunned that they backed out. So no truck, and my down payment is being mailed back to me in the form of a check. Cant help but feel the situation is strange at best. Anyone else had this kind of strange experience purchasing their first used vehicle?  <response>: If you have a monthly income of 4900 just save up a few months and just buy a car outright. With that type of income and very little going out you should have no problem doing that, and you wouldnt have to worry about not being approved for a loan. 