December 2017:  Carson, 3, carries a box of Salvation Army “Christmas food,” as the family helps unload the holiday goods from the car. This is the first new car Wendy has ever owned, but it came with the cost of a high interest rate. The minivan is the first car they have had in three years. Monthly payments are $461 on a five-year loan.  “I got the vehicle back in February of last year and I did not have no credit. I've always tried to get a loan to get a vehicle, but I always got turned down because I always had to have a lot of money down, which would be over a $1000,” Wendy said. “When I got ahold of these people online, they called me and told me that they would come and get me. And I said I don't have money to put down. They say you don't have to, we got you covered. I was very thankful and then this one comes with a five-year warranty, no matter what the mileage is. I've got to come up with the deductible to get it fixed now though. The interest rate is high. The car was like $17,000 loan, but the rate, man it really jacked it up.” After paying interest on the five-year loan, Wendy will have paid $27,660 for the $17,000 vehicle.