<prompt> Human: I went to a certified dealership and wanted to finance a car for 72 months because I saw a good deal on the APR for 1.9 if you qualify. Im a first time car buyer and my fiance came with me in case I needed to have a cosigner. When i did my credit check they informed me I had a good score a little under 800 but i needed a cosigner. Since we were prepared for that my fiance offered and we started her credit check. After all of that they brought the papers and we saw our scores, I had a higher score 30 points over anything my fiance had but my fiance had a long credit history. When we went to sign the papers to confirm that we were seeking the loan for the car they told us my fiance was suppose to apply as the applicant and I was to sign as the co-applicant which didnt make a lot of sense to us but they said thats just the way it needed to be done.After that we decided to get food while we waited for approval and when they called us they told us we didnt meet the criteria for the 1.9 APR instead we qualified for something around 8, this made our monthly payment about 100 then what they had originally offered prior to the credit check. Once I informed the salesman we couldnt sign today he called me back about 20 minutes later informing me he found a better rate they could give us. This shot up a bunch of red flags for me. Did they make my fiance the applicant so we would have to pay more? Or is this just how it goes? If anyone can help explain what happened to us we are really in need of some advice.Update: we took everyones advice and we found an amazing car and got it financed at an affordable price. Thanks so much for helping.  <response>: Id walk, for two reasons:1 Financing a car over 72 months is usually a sign you cant afford the car. However, if you can comfortably afford that car at 24-48 month terms and just wanted to take advantage of a specific deal, ignore this part. 2 This is called a bait and switch. If they had said they couldnt qualify you for 1.9, but they could do 2.9, then alright. But jumping to 8, then finding a better rate when you threaten to walk? Theyre playing games, and they dont deserve your business. 