Happened to me when I first got a car, saw I got ripped off and wanted to get something else. I had to wait six months for some reason also. I guess it means you might not have a good credit history or you don't have one at all and they need some reasonable assurance that you will pay the money you owe on the note. Just to build some type of credit history with regard to auto loans. If that is not the case then I have absolutely no clue why........;0