A blonde walks into a bank to get a loan. “I need to borrow $100 for a month,” she says.

The banker frowns, but takes her information anyway. He runs her credit but can’t find a report. “I’m sorry,” he says, “but in the absence of a credit record, we’ll have to charge 20% interest on the loan, and you’ll need to put up collateral.

“What does that mean?” the blonde says.

“It means,” the banker says, “you’ll have to repay us $120, and you’ll need to give us something more valuable to hold onto until you pay us back.”

“Something more valuable?” The blonde says. “How about my Ferrari?”

The banker nearly snorts his coffee all over his desk, but he prides himself on customer service so he soldiers on. He runs the title on the Ferrari and what do you know, the blonde owns it free and clear. “Okay, he says, “I’ll print out the papers.”

“Just so I understand,” the blonde says, “I give you my Ferrari and you give me a hundred dollars, right? And then in a month, I give you $120 and you give me my Ferrari back?”

“Yes,” the banker says, “that’s the deal.”

She signs the paperwork and hands him the keys. He counts out $100 for her and watches her saunter out the door.

A month to the day later, he’s sitting at his desk when the blonde saunters back in. She hands him $120 and says “I get my car back, right?”

“Yep, he says as he hands her the keys. She turns to go but he stops her. “Miss, I really have to ask, why did you use a $140,000 car as collateral on a $100 loan?”