<prompt> Human: After searching for a long time I finally found the car Ive been looking for. I went to check it out yesterday and I fell in love with it. Because it was a Saturday, there was only one bank open. The salesman contacted the bank to see if they would finance the car for me and they basically said that they wouldnt finance a car for me because Ive never had a car financed. What should I do?The original asking price for the car was 13,000 and I talked the salesman down to 12,350 and was going to put 2,500 cash down and finance the rest. My credit score is 706. Ive done multiple calculators and would easily be able to make the payments every month. I thought everything was looking good on my end. I had no idea that the whole we cant hire you because you dont have experience or we cant give you a credit card because you dont have credit thing applied to buying cars as well.  <response>: Was this a commercial bank?I had a similar experience with PNC about 7 years ago. I had a combined 20,000 sitting in PNC accounts. I had never had a car loan before, had excellent credit, etc. Was buying a new car, had a stable income, no red flags whatsoever. Except, apparently, that I had never financed a car or had a mortgage before.They literally declined me for a loan that I could have paid for in cash with money sitting in accounts they had direct access to. I thought, automatic underwriting, not offended, Ill call in and talk to a human and surely this would be resolved.Nope. Blanket declined. That was the day PNC and personal banking with commercial banks minus CCs died to me. I went to a local credit union, who actually laughed, and was pretty much immediately approved for a loan with a better interest rate than what PNC was going to offer.4.5 years later I paid off my vehicle loan having been on auto-pay the entire time after deciding to pay it off a couple months early just because I could. I could have done it sooner but the rate was so low it wasnt sensible to do so. I still do all my personal banking with that same CU, they have my mortgage and a second vehicle loan wifes.PNC done goofed. 