if you have a 640 credit score I find it hard to believe you are getting turned down. Have you tried getting the laon through a dealership?

With less of a credit score than you have I got my Jimmy off the lot brand new in 99 with a 2.9 intrest rate, then I got the used crapalier for 4.9 off the lot. By the time I got the crapalier I was about 700 though.