I'm thinking more about the dealers who run those "bad credit, no credit? No problem" scams where they finance directly, like Rent-a-Center but with a car loan. Legal loansharking, at least until someone notices. If this dealer was operating in a different state they might not have run afoul of consumer protection laws.
https://www.mass.gov/news/jd-byrider-to-pay-15-million-and-cancel-debts-of-thousands-of-consumers-who-received-predatory-car-loans