And that'll fuck you up, too. had a friend who didn't make the best decisions... one of which was to borrow his buddy's road luge on a corner that the buddy didn't want to try. He ended up with an airlift, 6 months in traction and $150k in medical bills that, surprise surprise, he disbursed through bankruptcy because what else are you going to do?
So he gets through the bankruptcy and he's going to college and he's got his degree and he needs to buy a truck and his loan comes in at an I-shit-you-not 18% interest because with a bankruptcy on your credit report, you are persona non grata for a decade, y'all. Meanwhile I'm much the same only without the bankruptcy and my car loan cost me 2.2% the same year.
Which is just numbers but my $10k car over a 2 year loan cost me $231 in interest. His? $1982. Same loan, only I'm paying $75 less a month for it.
Nissan offered to lease me a Versa for 24 months. They wanted $79 a month and $1000 down. Because his credit is shit and my credit is great, I can buy his car and lease a brand new Versa and be within $4 a month of his payment.
Realistically? My credit is good enough - and his credit is bad enough - that I can literally afford to lease him a car for the difference between him buying a car and me buying a car.