To get a car loan you need employment history and decent credit. While some folks that fit this category are struggling, it's not exactly the profile of an exploited class.

Uber push their own financing program to recruit drivers (or to get drivers to update their cars). They use subprime lenders and claim that even people with poor credit are eligible https://get.uber.com/cl/financing/

If you're recruited by Uber, enter into a loan, and then Uber drops the rates to a level where you're not profitable, that can be a problem. There are a bunch of stories of this kind, eg: http://www.marketplace.org/topics/tech/uber-drivers-struggle... http://america.aljazeera.com/articles/2015/5/27/uber-promote...