How are people financing their X's? I decided to get an approval for $93k (with $20 down + approx $10k in taxes from my own pocket). We can def afford the payments, just don't have that much saved up to buy the car outright. Also, neither my wife nor I have ever had any previous loans but we both have decent credit scores according to Credit Karma (785 for wife, 800 - transunion, 750 - equifax for me). We were told by a credit union that they can only offer us $50k loan, since we don't have any previous loans etc. What are our options? We will be trying our bank - where we do our main banking from, the credit union had better APR, so thought we'd try them first. How are others who are financing the X doing their loans?