I've had no end of trouble getting a loan for a car. I am an excellent saver with no debts to my name but the banks dont really care about that.
I've been in full time employment for the last 6 years, never out of work, I have a healthy salary, but I move around alot and get itchy feet with boring jobs. So they see that as unstable.
I checked my credit rating and could see no wrong. I just don't get em?
My advice;
Ensure you dont have a credit card with a rediculous limit, reduce it down if it is.
Keep your address up to date on your credit rating.
Give them heaps of documentation to prove your income.
Ensure that you have been in work for at least 3 months.
And most importantly, if some banks get wind that you are buying an import they will say no, even if you were approved. Some have 5 year or newer rules, even if it is a persoanl loan and not a car loan Don't tell em about the make/model until as late as possible.