Meet Joe and Derrick:

  Joe:

Age: 36
Marital Status: Divorced with 2 kids
Credit Problem: Joe's ex ran up the credit cards before she left, severely damaging his credit rating.
Job Time: 8 months at the local manufacturing business making $9/hour
Money Saved to put down: $500

Joe probably visits your lot once or twice a week. He's a good guy troubled with a credit rating that won't allow him to finance a vehicle by traditional means. He needs a nice car. He wants the car you've got $2,000 in.

  Derrick:

Age: 25
Marital Status: Single and living at home with his parents
Credit Problem: Derrick's more interested in having fun than paying his bills
Job Time: 16 months as a bartender
Money Saved to put down: $2000 he borrowed from his new girlfriend

Derrick also visits your lot once or twice a week. He's all about fun. He needs a car to impress his friends and the ladies. He wants the same car Joe does...the one you've got $2,000 in.