I was thinking the person was getting a loan for 13K on a car already purchased. In that case, the sticker price would have to be considerably more.
[WS:] She could not use it as collateral if there were any lien on it - which is a likely scenario with a high-end car. If she owned a $50k SUV with no lien on it, why on earth did not she sell it, pay the $13 arrears and buy something cheaper, say a KIA for about $11k ;) It just does not make any sense.
Wojtek