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It's not just with credit score, but a bunch of other factors too, and how much the loan is good for.
Are you a student? Or have you been at the same job for years? Do you live at home rent free? Or do you pay rent/mortgage for your own place.
Loan companies like to know that if your situation changes they are still going to get paid. So even though yes, 790 is a very good score, there's a bunch more factors to consider. At least with a car there is an obvious asset to revoke if you default
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