I want to buy a new Scion Xb 09. This car would be purchased on my husband’s name because his credit score although it’s low 636 it’s much better than mine of 585. The dealership is offering a 6 yrs $ 360 a month finance plan but that’s way too much interest on a car of $ 17,000. At the end of the 6yrs I would have paid over $ 25,000 in total. We tried to get a loan of 15,000 with our bank ( of america) and suntrust but both banks denied. We’re both in college, but we have full time jobs, and we don’t pay rent or mortgage because we live on one of his dad’s properties. Where else can we go ? Where can we go for a loan with lower interest rate ? Oh and our down payment would be of $ 2,000 to $ 3,000. Please help with any suggestions this is the first time we’re doing this so we’re kind of clueless….