1. Credit problem: Banks or financial institutions may refuse loans because of your poor credit record. In this case, you can first improve your personal credit status, such as paying off debts in time and establishing a good credit record. Then reapply for a loan or consider other payment methods.

2. Income problem: If your income can't meet the loan requirements, the bank may refuse your loan application. You can try to provide more proof of income or find other ways to increase income and improve the possibility of loan success.

3. Vehicle selection: Some specific models or brands may not meet the loan policies of banks or financial institutions, resulting in your loan application being rejected. In this case, you can consult other financial institutions or find other ways to buy a car, such as installment payment or lease.

4. Seek help: If you encounter difficulties, you can consult a professional financial consultant or communicate with the car dealer to find out the specific reasons and seek solutions.