Windlyn is so fun, Windlyn is so grand, So come on everyone, All across the land, Come and join us now, In this awesome site, We will show you how, Talking through the night. ~npixelz
Maybe you can try getting a loan for the car somewhere else? Do you have credit union bank's there? They are usually local & used to be more receptive to giving out loans to locals.
Sometimes the googles has helped with explaining terms in contracts for me. The loan officer would be the person to confirm with. Don't sign anything you don't fully understand!!