I’m always reminded of the scene in Alice in Wonderland where the talking flowers explain to her that they can talk because they’re planted in firm soil, while those planted in soft soil are asleep all the time.

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Fucked up. The cops actually repeatedly called the nurse to check this guy, and she repeatedly decided not to do anything. Including leaving for the night at a point when he was no longer breathing. Who are these nurses they have employed in the jail?

That is, if they approve you at all. Their requirements are higher, which is why you would get a better rate through them. If you can’t, you may need to go through a different company with a higher interest rate. Should that be the case, it’s best to consider getting a car (and the loan) significantly less in than what you’re approved for.