D’Artole, an accountant, bought for her personal use a new SUV for $47,500. She paid $10,000 down and then paid $1,250 per month for several months under a security agreement she had signed with the dealer, Where the Pavement Ends, Inc. Finally, she paid off the remaining balance with her Christmas bonus. The next May she needed a $25,000 loan to take advantage of a business opportunity. She offered the SUV as collateral, but the lender refused, saying there was a financing statement showing a security interest in the vehicle in favor of Where the Pavement Ends still on file. D’Artole did not get the loan as a result. What are her rights in this situation?