In the Midwest, it’s hard to get around without a car. These days, people are holding onto them longer. The average vehicle is almost 11 years old and used cars prices are on the rise. All this adds to the pressure on the bottom rung of consumers: people with bad credit. For many, the only way to finance a car is at a Buy Here-Pay Here lot. Here, dealers loan to deep subprime customers at interest rates up to 25%.