<prompt> Human: So went shopping for cars yesterday with my dad after lots of research into the whole process including memorizing all the car buying guidesthreads that appeared on here. I applied for pre-approval through two banks USAA and my local bank and a local credit union but the loan approvals had not come through yet. I had my budget and everything sorted out, but I wanted to see what I would get for a loan before I did any serious buying.My dad and I found a great car at a good price, in my budget, and we decided to talk to the business manager about what he could offer me for a loan. We were still just shopping around and since the other pre-approvals havent come in yet, I wasnt going to say yes to anything.What I expected was the interest rate to be high since this is the case with most dealerships, whether they use their own financing services or use multiple national banks. What I didnt expect was for the business manager to be a total fucking asshole. Before I sat down, he told me that I wouldnt be able to get a loan with less than 15 interest. I asked why because my credit report, while my accounts are only 5 years old, is spotless. He told me that since all I had for loanscredit on the account were my student loans, I have zero credit in the eyes of the bank. He told me no one actually pays those things student loans, so we dont even consider them anymore.My dad then asked if it would help if he consigned. My dad has great credit 820 fico score and had just got his own small car loan in January for 2 interest. Business manager told him that it wouldnt make a difference because my credit was so terrible and then told my dad that he didnt believe him that he got 2 interest on his loan. The car loan was for 5,000 for a 2005 mazda that he bought from my brother, and yes, the interest was actually 2.The whole experience was very jarring, especially since we had had such a great experience with the sales rep and the staff when it came to looking atinspectingtest driving cars. Id really love to know your opinions on this and if there is any truth to what the sales manager told me. Assistant: As a parent I would have laughed in his face and walked out. Whats your credit score look like?Human: Yeah my dad was fuming. We got up when the manager was mid-sentence and just walked out. My credit score is 679, not great but pretty solid in my opinion. I have less than 10K in student loan debt started with 16K and those loans are all around 5 years old. My rent, internet, health insurance, and renters insurance are all in my name and Ive never, ever been late on a bill.  <response>: Op that dude is so full of shenanigans its not even funny. I recently rebuilt my credit from several defaults 6 years ago and my credit was 675 when I applied for a pre approval at my credit union. I secured 3 financing on 25k with no dphe-he shop around for sure. 