As someone who probably has good credit and a basic knowledge of debt and financing theory, you wouldn’t understand spam like this. This is spam for people who can’t get past the concept of "free money right now". It seems unfathomable to folks like you and me, but trust me- there are many people out there who would entertain such a notion. Those people are referred to as "special finance" cases, and the competition for their dollars is immense in any industry where financing plays a role.