To finance your smart. Just reading the poor guy who lost his orphan cause he didn't have good enough credit to get it. It brought to mind a moment that I thought I was going to have problems.
I went through FCFCU, and got a great rate. The problem is, they only have the three levels and the base price in their system. There isn't any additional items, like power steering or alarm. Plus no fees are taken into consideration for borrowing. I had to get special approval to cover what I needed.
I bought a reserved smart, so the markup wasn't that bad. Anyone getting a orphan may have problems, or anyone who went crazy with options may.