If they gave her the $10K before she bought the car then its probably a personal loan, rather than a car loan and the interest rate will be higher.
It wont make too much of a difference, but if someone/institution will refinance her to a car loan her interest rate could decrease by as much as 2 or 3%, it depends though whether she meets their lending criteria (I'm with you I cant believe the way banks are handing out money these days)