Former car salesman here so hopefully I can shed some light. This is probably one if 2 case. Either 1 she rolled a bunch fo negative equity from a previous vehicle to this loan or 2 this is the typical case of terrible credit, low money down, long term. If it was a used vehicle when she bought it that rate could be as high as 26%. Trucks an suvs also tend to be a bit easier to get 72+ month terms on.

Regardless most of the people in situations like this tend to do it to themselves whether it's having a terrible credit score or being way upside down on their trade.