<prompt> Human: What happens if my bank approves me for a 15,000 car loan and the car only comes out to 13,000?  <response>: Nothing. They are saying they will approve you for up to 15,000. If you finance a car for 13,000, they cut you that check. If you buy a car for 20,000, heres 15,000, good luck with a downpayment. They dont hand you money when youre approved. 