You have probably heard a lot of rumors about getting credit after filing bankruptcy especially when it comes to car loans. You can still get quality bad credit auto loans with reasonable terms even after you declared Chapter 7 or 13 bankruptcy.

Mark Hergert CEO, Managing Director


A major key to getting a loan is to have steady employment. Ideally you have been at the same job and residence for at least a year. Also you must make sure a judge has finalized or “discharged” your bankruptcy case before you can legally apply for any type of auto loan. 


If you are still paying debts under a Chapter 13 plan you cannot legally apply for any kind of credit without a judge’s permission a judge will probably approve your request if you truly need to get into another car.

After BK Auto Loan

If you had good credit before bankruptcy but just ran into some hard financial times you will be able to get a car loan with a fairly low down payment and interest rate in some cases you can get a loan without a down payment or trade in.  

The best types of car loans these days require a down payment even if you have good credit generally you should plan to trade in another vehicle or pay about $1,000 toward a getting into an auto loan.


What if I have filed for bankruptcy in the past? If your current bankruptcy has been discharged and you are currently employed you will most likely qualify for an auto loan.

Please use our free auto loan application, submit your auto loan application and see whether you qualify for an auto loan.

This is the easiest way for you to determine whether you qualify for a car loan and whether you can get your car credit application approved especially if you still have your recent bankruptcy showing in your credit reports.



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