Buy Here Pay Here is legalized loan sharking. Of all the shit people worry about Uncle Sugar "fixing" for them, this should be on the top of the list. But it's not even on the radar because as a group, they have their lobbying shit together.
Bob Dole could go to one of many pawn shops locally and buy a $1500 vehicle that would last for at least a year. The trick to getting out of the hole is that she's going to have to make a monthly "car payment" to herself to a dedicated account so if/when it requires a repair that's not feasible, she has the money to replace it.