When I was looking for tires online, I came across this company. They stated they offer loans on repairs, tires, rims etc. They stated their loan rate is similar to a credit card, and require no credit check. However, they place a lien on your vehicle for the amount borrowed. I explained to them I already had a lien on my vehicle with the bank. They said they can still offer $2500 loan for tires etc against the vehicle despite their being a lien on it already. How is this possible? I'm not quite sure I am understanding how their business model works exactly...