62k on a 2008 is a lot of miles. And she's already worried about lower payments and less $$ down financing the car, etc. At 13% over that period of time, she's ending up buying an expensive car that will eventually be worth nothing. And then there's maintenance and repair. It would make more sense to just lease a new car.
I agree with what's been already said. This sounds dubious and could get her into a worse financial position. There's a reason why people with bad credit get screwed all the time by finance companies. She needs to look for something she can honestly afford and work on building her finances and credit rating. A expensive German car isn't the answer, imho.
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