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If anyone is financing used cars for >10%, they're making the mistake of financing through the seller.

It should be a lot lower. E.g. current rates: https://www.penfed.org/auto#cbs

Buy the car you can afford by paying in cash, or a small enough loan that even 10% will be manageable.

This isn't the American way apparently, do you want to be a True American Patriot or some loser driving a shitbox

I still remember the first thing my bank offered me as a student in the US, a credit card, 25%+ apr, give that to a 18 years old clueless kid and you'll set them up for failure. The entire system is setup to make you think these interests rate are normal and that being in debt is a proper lifestyle

It's weird to refer to charging interest on a loan as a "scam". The default rate on used car loans is higher than on new car loans, and interest rates reflect that.