Maybe I'm giving people too much credit (see what I did there), but I "assumed" people financing a car like the 170 were more financially stable and would use something like a HELOC to fund the purchase. At least then the interest is a tax write off if my memory's good.
No way I'd finance a car with $100K plus balance at 6-8%. It's mostly a depreciating asset so that's just a lose lose. 170 "might" be an exception, but you never know on a car. It's not like a house or something that's all but guaranteed to appreciate.
My .02 cents.