youd be suprised what a fat person will climb for a rack of bbq ribs and/or a donut.
But to stay on topic, it all depends on the interest rate. Obviously with the poor history itll be higher. As long as she can afford it I dont see why not. But buying something with 5k cash wouldnt be a bad idea at all. You can get a hell of a car for that.
I thought it was your mom trying to buy a car? but congrats on both of you having bad credit.
for what it’s worth: whenever I’m evaluating my own financial position I never factor in money that people owe me. but I suspect you have that one down now.
regardless of all the other babbling in here… this is the best thing she could do.
If she is living happily on monthly cashflow, just work on the items on the report. It will payoff immensely.