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He walked past the sprawling inventory of , eyeing the rows of SUVs and trucks. He’d heard their radio ads—"everyone is approved"—but he’d heard that before. Inside, the atmosphere was less like a high-pressure sales floor and more like a local diner. A salesman named James greeted him, not with a credit application, but with a cup of coffee.

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"I need to get to work in Albany, and I don't have much for a down payment," Marcus admitted. He walked past the sprawling inventory of ,

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