Uber is referring their drivers with bad or no credit to sign up for subprime loans to purchase high-end vehicles from two lenders under federal scrutiny for shady practices. General Motors and Santander Consumer USA are financing partners in the Uber auto loan program and are both being investigated by the Justice Department. Uber urges the drivers to get nicer rides under the guise that they can gross up to $100,000 a year (even though their claims have been debunked). Payments would be automatically deducted from their Uber earnings. This offer, which has been described as becoming “an indentured servant” by one of the company’s contractors, also ensures that the drivers spend less time with competing companies.