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hold off on the car man. you said "cc'd and other loans". No offense but it sounds like you're in debt up to your eyeballs and about to get into more debt on a car that's still on the steep part of the depreciation curve.
Pay off your debt first, buy the car when you're financially ready. Banks are handing out money like hotcakes nowadays so if you got denied, that is a sign that you're stretched a bit too thin.
instant gratification can be tempting, but you'll likely regret it down the line.
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