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If you are financing them, it very well could be the case.
They go by your credit score and your income to debt ratio.
Other things they might consider –
Co-signer on another loan
Several credit cards with no balances and high spending limits.
I’m sure if you walked in with a certified check / cashiers check for the full amount, they’d sell you a car.
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"I spent half of my money on booze, women and gambling. The other half I wasted." W.C. Fields
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