I had $60k in the bank and was paying $12k down on a used car that cost $28k and would be worth $30k the second I had the keys (the dealership seemed to low ball it a little, probably because they were a new volvo dealership with one GTI on the lot they had for like a couple months that they needed to get rid of), but no, they still needed to check my credit, which at the time did not exist, and still required me to sign up to $2k interest payments over a 5 year loan that would have been more profitable if I never paid a cent and they could reposes the collateral.

I know there are contrived ways I could have killed the value of the vehicle before the loan was done and they couldn't recoup it, but like, come on. My credit report was BLANK. It was never needed in the first place.