It's because she's black, not poor, works hard and has money, and has good credit.
If she was poor or broke she would of received the credit to buy the truck.
My parents tried to get a car loan from their bank, they have great credit, bank said they had to use their money, wouldn't give them credit cause they had money in savings.
If you're poor you can get loans.
They want the poor to default, so banks can collect the money on the defaulted notes by multiple insurance companies, then they will still come after you for more money, after they've been paid by banking insurance and milk the shit out of your bond.