Unless you see the details, you might take that story with a grain of salt. While there were definitely good opportunities after pandemic messed everything up …… my brother dated a girl who did this. However after he got to know here, he figured out this “too good to be true” situation was because they rolled her previous loans into the next. Each step where she got fantastic trade ins that seemed to be a great deal, were just digging her more deeply in debt. She should have paid more attention to the overall deals, rather than just the trade in.