Did they offer you an auto loan (which must be secured by a car title) or a personal loan? If a personal loan, sure you can use it as a down payment. If they require that they be on the car's title, then no.
Honestly seems like a super low approval. Mind filling this out for me so I can see what's going on and offer suggestions on other places you can apply to?
# of positive trade lines:
# of negative trade lines:
Pre-Tax Monthly Income:
Lenght of Employment:
Previous Loan Experience:
Aggregate minimum monthly payments on credit cards:
Any other debt other than the rent/mortgage and credit cards:
Year of Car:
Requested loan term (XX Months):
Down payment amount: