I'm just going to be blunt.
He supposably makes $90,000+?
Supposably has "substantial" savings to pick up any car he wants?
If he needs financing for a $40K car with zero down, he can't afford it. Perhaps that what the bank is seeing. Living at home? No monthly expenses? Pay for the damn car with money! You know, that green paper stuff?
For cryin out loud. Some people...
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