It is not true that black households are happy to meet in stages. Black households can't handle car staging. This is a rent-and-purchase model. The company first buys a car in full, helps customers buy it, and then sublets it to customers.

As the name implies, it is impossible for black households to buy cars by stages through formal channels because of poor credit information. Installment loans for car purchases should be handled by lending institutions that support car loans, mainly commercial banks and financial lending companies, neither of which supports black households.