In the US, this is common, particularly among those who would need subprime car loans: 1 A job where WFH is not an option (either because it's physically impos

In the US, this is common, particularly among those who would need subprime car loans: 1 A job where WFH is not an option (either because it's physically impossible (e.g. service industry), or because even if it is physically possible they are at the whims of their boss) 2 A long commute 3 Poor mass transit; even if there is "okay" mass transit both where they live and where they work (already unlikely) there is unlikely to be mass transit connecting the two. 4 Multiple jobs, at least one of which doesn't fit any available mass transit designed around 9-5 commuters.