If you could clue me in as to how this all works in my favor, I would be grateful

I'll take a shot. Let's say you know how the system works.. and GM loans you 10 cars and you agree to pay back 11... instead you sell the other 9 people 1 of your cars for half price.. then you give the bank the finger and drive off in that new car.. until they repossess it of course.. but look at the fun you had in the meantime..

!BEER