[RAZOR]

The box is only used on loans with very bad credit history, if you have anywhere near good credit it is not a worry for you. The way most devices work, is that it shuts down the car if the payment is not made, and you cant start it until payment is made. Realize these people can do this or go to a buy here,pay here, where they get a $2000 car for $8000 and they pay weekly, and they still might have the black box.
The fact is that bad credit and INCOME have little relationship, plenty of these people make great money,some with meager incomes have excellant credit, or like this past week a very nice couple, each with over 20 yrs on the job each making near $60,000 a year had poor credit, not bad enough for a box but in the subprime range. Being poor certainly makes you more likely to have credit issues but is not the sole contributing factor. Having poor credit is no indicator wheather or not you can afford a car, many times it is an indicator of character.