[Huck]

But sitting across from a salesman in a quiet back room, Adrian Clark could see it would not be nearly that easy. This was the ninth or tenth dealership for Clark, a steamfitter looking for a car to commute to a new job. Every one offered a variation on the discouragement he was getting here: Without $1,000 for a downpayment, no loan.

Yo Adrian, if you can't scare up $1000, how you gonna make the payments, jack@ss?? I had no idea we'd reached a point where this was considered normal. Same with houses. Silly me, living by Poor Richard's rules.

[judsonlegacy]

A cursory reading would provide the answer:

1) Get car with dealer financing.

2) Use car to commute to new job.

3) Receive wages for work from employer.

4) Use wages to make loan payments.

I don’t have a car and I am totally dependent on transit to find and maintain employment, and it totally sucks. I’m tired of finding listings for great jobs and not being able to get to them.

[Oatka]

Clark left the dealership without a loan, but decided to put down his $200 as a deposit and try to find another source for the remainder of the downpayment.

No doubt Mr. Clark will get the needed $800 the Mr. Lefty and Mr. Fingers Loan Company, without worrying about late-payment penalties - until they show up at his door.