I am kinda confused, what makes this video rank # 1 for term auto loan it has no useful content all .. Please open youtube.com and search for auto loan.
A search for auto loan on youtube returned 5,950 results. Which one are you talking about? Could you possibly be a little more "exact"? Most of the time youtube users are pretty honest with their ratings. So if the video contains no real information, its not going to be be rated very well.
What makes a website rank #1 in google for search terms? Amount of visitors, backlinks, keywords, rating, total views...