[RickFLM4]

Back on post 11, OP said his student visa was not approved (presumably referring to legal permission to be in the country, not a credit card), so if that’s the case it wouldn’t be a surprise if a credit union or bank declined. In any event, it sounds like OP can either go sign the paperwork with matching terms, find alternative credit, pay in cash, or deal with the fallout of having the car repossessed. Choices available really don’t seem that complicated to me.