I make almost $30 an hour and wanted to get into a new civic and trade in my 2009 hyundai elandra that I only had a few more years owning. The civic came to 137 b/w witch was what I was paying on my current car. Even tho I offered to supply financing with documents to help they refused. And later told me all the banks rejected me. Later offered me 13% on a 8 year. What a slap in the face. So I went to south town Hyundai and bought a more expensive car and not only they got me approved they got me an amazing rate.