Mfc car renting when the decline my finance application

I app**** for a car with a score of 614 i got declined my affordabilty was good mayb theres some issues in my score i accepted that till some guy from mfc called me to give feedback of my application telling me the bank is not sure if they get thier money back meaning they dont trust me, but they say can rent me a kwid for 5600 a month i feel like i being exploited they are mocking me because if they dont trust me with my car finance how sure are they that ill repay the renting fee monthly because the car i app**** for the instalment was lower i feel let down does this make sense??