33% down payment will go along way.
If she doens’t care about the credit file, tell her to just go apply on LendingTree.com. Be sure to specify in the application that she is putting down a large cash DP.
Obviously she is in no rush / need of another car. She can take any denials from lending tree and request the free credit report that your are entitled to when denied for a loan based on credit info.
At least she can go through her reports and make sure that they are accurate.
Inaccuracies alone (reporting wrong credit limits or pmt historys) can make a big diff. Also, if accounts are reported in error - even if it is a miniscule error - she could potentially have them removed from her report. Its a low percentage thing, but a low percentage of 250million reports is still worth while.
and… ITS FREE