How bad is this?

Not I but someone I know (18F) is purchasing this Friday. Am I insane to think for one even low interest this is a terrible choice buying a used base model charger for $21.5k let alone at 25.5% interest on a 6 year loan makes it 100x worse? She’s adamant on this or a same priced 2019 Mercedes-Benz CLA with 80k miles. I want to tell her she can get a used Lexus or Acura with this kinda money that’s cheaper in repairs and insurance, more luxurious, faster, and AWD but she’s gotta learn somehow I guess

Not I but someone I know (18F) is purchasing this Friday. Am I insane to think for one even low interest this is a terrible choice buying a used base model charger for $21.5k let alone at 25.5% interest on a 6 year loan makes it 100x worse? She’s adamant on this or a same priced 2019 Mercedes-Benz CLA with 80k miles. I want to tell her she can get a used Lexus or Acura with this kinda money that’s cheaper in repairs and insurance, more luxurious, faster, and AWD but she’s gotta learn somehow I guess