Financing not for whites

I have been paying off a car with VW Finance for the last 3 years. I want to trade it in for the new Polo. I am offering a 50% deposit on the new Polo. Despite not having missed a single payment in the past 3 years on the finance and having proposed the 50% deposit, the finance is declined. It has become clear to me that the algorithm that is used by the banks to vet financing is biased against white people. It cannot be that every place I apply for financing simply just declines it, despite my mitigating the risk with a 50% deposit.