This is in no way victim blaming, and people are free to spend their money however they want. But you can get a used car much, much cheaper than $10k. Why wouldn't you buy a model a few years older and use the rest of the money to pay off your debts? It does not make any sense to me. What would make sense was if 1) someone bought the car for her, 2) the dealer gave her a dealer-financed loan where she paid set amounts each month but it wasn't through a bank that would use a credit check, or 3) someone was loaning her the car.
Could this have been a set up? Someone promising to buy the car or loan the car and they had no intent to ever actually let her keep the car? Was it registered in her name yet? Did she have insurance on it yet?