<prompt> Human: Hi Reddit Finance,Hoping you can help me out here. I am looking to buy a reliable used car. A 2014 kia with 30k miles to be a bit more exact. I have two credit cards. One discover has a 4k dollar balance that I have never missed a payment on and am working to pay down from my wedding last year. The other chase is used for day to day purchases. I checked my free credit score on my bank, discover, and chase websites and they are all consistently around 755-760. I decided that my finances are in order, I have steady income, a great job, an awesome wife, why not buy a new car for us! I checked the rate calculator for someone asking for a 19,000 loan and it looked fine by me 4.5 for a 72 month loan. I went ahead and filled out the pre-approval application without my wife as the cosigner as her credit is a 670 was not sure if that would affect me. Long story short, I was denied the loan. Of course now I have to wait two weeks for the letter explaining why. But I am hoping you all could help me figure out why and HOW to fix it?Thanks! Assistant: Agree with PP, its your ratio. Pay off debt, then call your credit card company to see if you can get a larger limit if you trust yourself. Also, sorry for unsolicited advice... but dont buy a new car because why not, especially while you have credit card debt and a 2014 vehicle with reasonably low mileage. Pay off your debt. Save for car. Buy car in cash. Human: but dont buy a new car because why not, especially while you have credit card debt and a 2014 vehicle with reasonably low mileaOh the car I own now is a 2006 junker with a bad clutch that can go at any time. Her car is the same year and not much better. We were hoping to have 1 reliable vehicle and the other crappers for a bit. She is a PhD candidate so her debt to income right now is horrendous. In the next year, Im sure we will be doing just fine. The plan is to finance a nicer car now. Make steady payments until she is placed at a university then pay it off. I just wanted to keep my post short for Reddits sake. Assistant: What vehicle do you have specifically? Sounds like you need to just pay to have the clutch replaced. Not that much usually. Human: looked into it and its 3 times the value of the vehicle. 2006 kia spectra5. Im also at the point in my career that I rather drive something than a small hatchback. It probably is more reasonable to replace the clutch for now and shop later.  <response>: Doesnt matter what you feel entitled to just because youre at a point in your career. You are already at financial risk because of your DTI. Pay down your debt before you worry about financing 19k cars you dont need. 