If your offered percentage rate is off the chart? It's natures way of saying save your money, get your finances in order first. Then work out the toys later when you can afford it.
OTHERWISE....
If your making mad money then pay cash, should only take a few months to save the $11.5 right? If not, then your not making mad money, and you need to get your finances straightened out first. It's cyclical yes, but it's a system that helps keep risks down. Both for you and the Bank.
Not TRYING to be a #### it just happens sometimes.
Nobody gets handed BAD credit. It's somethign that is earned, just like good credit.
I know this to be true, I've been on both ends.