At buy here/pay here car lots, it is the car dealer, not a finance company that extends credit to the buyer. As highlighted in the documentary, buy here/pay here lots often require high down payments and exorbi- tantly high interest rates for their loans. At the lot Jesus visited, they attempted to sell him a car with high mileage for a down payment that would have actually covered the entire cost of the car. This means that every payment made after the down payment would be clear profit for the dealer. On top of that, the loan had a 30 percent interest rate. .
