If you had good credit and a stable job, you would NOT be denied an auto loan. Lenders look for a no less than six months of unbroken full-time employment, a minimum of $1600-$2000 per month in income, and sufficient credit/credit history. If you're young, you score is meaningless, as any 18 year-old kid can have a 700+ score with nothing more than a $500 credit car. Your history is much more important. If you're not being approved, it's either income, credit/credit history, or employment history.
Understand that people who receive subsidies cannot claim them as income. They also have to meet income restrictions to receive them. If they make too much, they lose the subsidy. This means that they likely have lower-paying jobs, and are not actually buying new cars.
19 years retail auto sales experience.