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can a f-1 student visa holder loan a car from bmw?
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most states do have a cooling-off period where the buyer can rescind the purchase as well as a legally allowed limit to how long the dealer has to secure financing when they buyer has opted for dealer-financing. if the dealer did inform you during the allowed window, they will refund your down payment minus mileage fees at a state set cost per mile that you used the car. if the dealer did not inform you during the allowed window, depending on the state, they may have to refund the entire down payment. in any case, the problem is that the bank does not want to offer you the loan, you can try to negotiate and have the dealer use what leverage they have to coerce the bank, but there is probably no way for you to force the loan through. alternatively you can seek your own financing from your own bank or credit union, which will likely allow the sale to go through. update - colorado laws allow the dealer 10 days to inform you that they cannot obtain financing on the terms agreed upon in the original contract. that contract contained wording related to the mileage fees. you can find that info on page 8 of the linked pdf under the heading d. usage fee and mileage charge
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