Apply with a co-borrower. Lenders consider the ratio of the debts you owe to the income you make to determine how much they’re willing to lend to you. If you divide your debts by two incomes instead of one, you may be able to qualify for a better rate or with more lenders. It’s important that your co-borrower be involved in applying for the loan with you. Once you agree to the loan, your co-borrower will be equally responsible for paying it off.
Increase your down payment (if you are buying a car). Making a down payment when purchasing a car is helpful because it shows lenders you're serious about paying back your loan. If you can afford to put money down, it also means that you are borrowing less, which means you’ll pay less in interest over the term of the loan.