They're easy enough to find using a good interactive map. First, search for "title loan", "payday loan", and "check loan" businesses. This anchors your search

They're easy enough to find using a good interactive map. First, search for "title loan", "payday loan", and "check loan" businesses. This anchors your search areas to places where predatory lending is profitable. Then search for "car dealership" and ignore any results that have a brand name or a large lot, as those are the new car dealers. You will find the used car dealers with smaller inventories. If you can get a street-level view of the lot, and see signage about "buy here pay here" or "no credit check", you have a winner. These types of businesses are literally everywhere, from downtown in a big city to the no-name dealer set up on the largest highway passing through a semi-rural town in the middle of nowhere. You can find them wherever poor people are to be found in North America, because having a mostly reliable personal vehicle is often the unavoidable first step to climbing out of abject, destitute, hopeless poverty into a more comfortable (but still bleak) working-class existence. It is not entirely clear to me whether anti-usury laws would help or hurt more. Clearly, these businesses are providing a vital service to the poor. But they are also providing it in such a way that their customers are more likely to remain poor. Put into a metaphor, imagine you have 10 flotation rings. That's all you can afford to keep in inventory, but you're going to make a business of reselling them. Now, you could check satellite maps, and go door-to-door, selling them one at a time to confirmed pool owners as a prophylactic safety device. But those people have no pressure to buy. You'll get a lower price. So instead, you can go to public aquatic recreation hot spots, with no lifeguards--that is, no one else around to compete with your service--and wait. When someone starts drowning, someone will call out to you, "Hey! You! We need that, right now!" And you will say, "Certainly. That will be $15000. Don't worry, it's payable with no money down and 120 easy monthly installments of $100, with a final balloon payment of $3000. Sign here." Faced with the choice between paying it and letting someone drown, they pay. If a buoyancy-hawker was not there, that swimmer would drown. But since you were there, you just put someone in debt-slavery to you for the next decade or so. Profit! And then when that 10 years is up, they still don't have that $3000 all at once, so you can stick them again on their way out. Profit again! Obviously, the best solution all around would be for the parks department to provide prepaid lifeguards for everyone at fair prices. But the people who can afford to pay for that would rather swim at their private club than at a nasty river bank with a bunch of poor people. "Why don't they just learn how to swim better?" they say. "If a $50 annual pool club membership is too much, maybe they shouldn't swim at all," they say. And so the situation persists.