OP: All financing offers are OAC. If you have a written-off credit card you should not be surprised they wouldn't approve you for better financing. Having said that, this does sound extremely shady. Try going to a competing dealership and see what their business manager comes back with.
Also, just some friendly advice, if you have to finance the vehicle over 84 months, you can't afford it. You should only buy a vehicle if you have at least 25% down and you can finance the rest over 36 months. Anything outside of that range and you should be looking at something else.
Also, just some friendly advice, if you have to finance the vehicle over 84 months, you can't afford it. You should only buy a vehicle if you have at least 25% down and you can finance the rest over 36 months. Anything outside of that range and you should be looking at something else.