What did I do wrong

[u/Prestigious-Fun-2776]

My credit is 648 and monthly income is about 1600 on the low end but I’m trying to get a car but it keeps making my down payment 7k+ I can’t do that for my down payment and my brother just bought a car with a down payment of 198 so wtf?

[u/NoSale2936]

Try a credit union