Marginal Lender
  
You don't want to have to deal with a marginal lender. Think: loan shark. They're only a source of last result. They get called when everything else...every other loan vehicle...has failed. And these marginal lenders will ask for all kinds of legal "hooks."
Got a co-signer or three? Can we take your left lung if you don't make a payment? Will you sign away the rights to your life story after that lung is removed, paying for that car you just had to have?
Yeah, we didn't think so. Keyword: Uber.