Our credit union denied us.
Our loan for our now-smashed car is with someone else, but one, they won't approve a second loan while one is already open, even though it's noted that they've sent paperwork to the insurance company and are waiting for a check, and two, according to their website which is where you have to go because they won't answer any questions on the phone, you HAVE to be borrowing a minimum of $7500.00. We only need - at most - $6400.00. And three, it has to be 7 years old or newer (barely skimming the line there) and under 70K miles (116.5K). Go fucking figure.
I called the dealer and left a message, asking if they have any better news for me. If not, then we don't have a car, and don't have a way to get more than some unreliable piece of shit that you probably wouldn't put your pet in, much less your family.
It's difficult to be positive when everything just conspires against you.
Good news? Asshole (who is 100% at fault per three witnesses and the police report) has insurance, and they have to pay for a rental for us for as long as we need it.
It's looking like it might be a long time.