Was recently refused a car loan with BOI. It’s my first time applying for finance (I’m in my late 30s) and I naively assumed they would just look at my deposit and monthly salary and see I can easily make repayments and I’d get the loan no problem. I was refused as I had a credit card a few years ago this was paid off in 2020 and I’ve been paying the family member who cleared it for me monthly since. I wouldn’t be the best with money I spend mindlessly and let it run down to nothing but that’s mainly due to fact I have no bills apart from phone (so have v little to show in that regard). I’m wondering is there anything I can do to get the loan faster?