<prompt> Human: Im just kind of surprised. Ive applied for pre-approval at several banks and credit unions online. Rejected by all. Monthly payments would be in the 250 range for a 60-month loan. My gross monthly income is 2,917. No other debt. No other large obligations. I just dont get it. Am I missing something? Should I have applied in person?  <response>: I worked in the sub-prime auto loan industry many years back. Your credit score would qualify you for better financing than what we were offering, but Ill tell you one thing we looked at that may be of interest to you.If the amount financed exceeded kelly blue book or NADA values, we would not fund the loan. Take a look at the kbb.com NADA values for the year make model mileage condition of the vehicle youre trying to purchase. If youre trying to finance an amount that exceeds either value, that may be a factor here.My gut feeling is youre running into debt to income ratio w the car, but Im sure the rules have changed since I was in the auto loan business. 