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Trying to buy a 2014 Transit Connect XLT Wagon and the Ford dealership is saying it was hard getting approved for a loan because it's considered a commercial vehicle. Anyone else run into this problem? It has rear seats, windows all around, regular license plate...there's no way Joe Familyman has been buying these and paying commercial rates. ========================== Little background: My wife has great credit (750+) and mine isn't that great (low-mid 600's). With both of us on the loan they said we need to put $2,700 down and it's still 7%. I'm not interested in putting that much down so we decided to just have my wife on the loan. They then said it would be 6%. I think that's really high for someone with great credit. So I'm currently waiting on Wells Fargo to get to back to me on a rate...pre-approved online at 6.9% with both of us on the loan but waiting on the underwriters to see if that holds up. Also, I went to purchase a new 2016 XLT cargo van 3 weeks ago at another dealership and was offered 5.9% with no money down (both my wife an I on the loan)...and that was obviously commercial. So I'm not sure what this other dealer is smoking.