Banks are stupid. Basing a personal loan solely on the age and mileage of the car you intend to purchase is idiotic. If It's a personal loan who gives a damn what I'm buying? And most of all why in the Hell would you say Yes to paying $6700 for a 2006 Pontiac with 89000 miles (worth about $4000) and no too a 2000 Jeep wrangler with 196000 miles ($6000) for $4500?
I'd probably get 100000 miles out of the Jeep purchased below book value and I'd be lucky to get 60000 miles out of the stupid Pontiac at $2700 above book.
Shove your loan right up your sh!t piece!!!!