This joke, which has been making the rounds online again lately, proves that we rednecks ain’t as dumb as city folks like to think we are:

A redneck from North Carolina walked into a bank in New York City and asked for the loan officer. He told the loan officer that he was going to Bakersfield on business for two weeks and needed to borrow $5,000 and that he was not a depositor of the bank.

The bank officer told him that the bank would need some form of security for the loan, so the redneck handed over the keys to a new Ferrari. The car was parked on the street in front of the bank. The redneck produced the title and everything checked out. The loan officer agreed to hold the car as collateral for the loan and apologized for having to charge 12 percent interest.

Later, the bank’s president and its officers all enjoyed a good laugh at the redneck from the South for using a $250,000 Ferrari as collateral for a $5,000 loan.

An employee of the bank then drove the Ferrari into the bank’s private underground garage and parked it. Two weeks later, the redneck returned, repaid the $5,000 and the interest of $23.07.

The loan officer said, ‘Sir, we are very happy to have had your business, and this transaction has worked out very nicely, but we are a little puzzled. While you were away, we checked you out and found that you are a multimillionaire. What puzzles us is, why would you bother to borrow $5,000?”

The good old Tar Heel boy replied, “Where else in New York City can I park my car for two weeks for only $23.07 and expect it to be there when I return?”