It is easy to borrow money from a Bank, all you have to do is prove you don't need it. They must think a Diesel engine lasts the same as a gasser. Now the real reason. They are trying to force you to buy new. Two reasons, There is a larger amount of money involved and they make more money and help the dealer, where their business comes from. It is like the Health Insurance companies and the RX Drug companies being in bed together. Whatever can be worked over on the public will be one way or the other.