The key to buying a car if you're in bankruptcy is to shop around for an auto loan, just as you would if there were no black mark on your credit.
Question: I need help with auto loan refinance after bankruptcy. I have an issue where due to divorce and some issues with health I had to file bankruptcy. It started as a Chapter 13 but had been dismissed and refiled as a Chapter 7 after losing my house to a short sell due to the housing market, etc.
I did have a car before bankruptcy with a credit union, but after the judge reviewed my records she threw it out and advised me to give the car back because the interest rate was so high. I have had my car for 8 months and have never missed a payment. I called to check the balance of my car and it is $25,836.72, and my pay off amount is $17,550.82.
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so is there any point in applying for a car loan right after your discharge? Bankruptcy is not something to be ashamed of and you shouldn’t be afraid to apply for auto loans because of the black mark.
Refinance. Monitor your credit scores after your bankruptcy. Hopefully you will find that once you’ve paid your loan on time for six to 12 months and have been building better credit, your scores have improved. If so, you may be in a position to refinance your car loan at a lower interest rate.
Get the car you need, even if you’re in bankruptcy. Shop Around. Next, you should start applying for car financing first. Be upfront with lenders about your credit situation and why you need a car; lenders that aren’t willing to work with you will be honest about that and it’ll save you both a.
But bankruptcy isn’t without its own difficulties. And one of those problems is getting a new car after surrendering your old car in. However, alimony, child support and most student loans are not.
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We were approved at 5.5% on the Certified used car were looking at. We were happy with that rate and ready to buy. We went to buy the car today and were financing at 3.99%. I’m ecstatic! We bought a used Subaru and were financed by Subaru financial (JP Morgan Chase). There is life after bankruptcy!