It was a nine year old minivan - Kelley Blue Book puts its value at less than 5k! There’s no way this woman was only 3 days late on a payment. More likely 3 months and 3 days.
The one thing is that there are predatory used car places that overcharge for crappy cars with 25%+ loans for people with terrible credit histories.
For example, an $8500 loan at 25% with no down payment over 3 years would be $359 per month.
Depends on her term, subprime lenders usually cap the term at 24-48mos & the rates 22.99 or higher. Also, the used car dealers will bump up the sales price because they know customers are desperate for a car.
Short term, inflated sales price & high rate = crazy high payments.