Take a look at a Car Hop loan.. I am an honest used car guy (ya.. I know.. there are a few of us out there)..
Cars I’d put on the lot for 2995 are sold for 7995 and the buyers are put in to 72 month loans at 23.5%..
They come in trying to trade a car/truck that was poorly repaired, falling apart and they owe 100Xs what it’s worth and they have only had it 4 months or so.
Dealing with the car declined is frustrating, fascinating and befuddling combined and never fails to amaze. Bless their hearts.