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Can I get a car loan after I file bankruptcy?

Posted by Ellen Brown | Oct 23, 2023

Absolutely! You will find your mailbox stuffed with offers after you file.  Why? Since you will not be able to file Chapter 7 again for eight years you have become part of the group that is one of the best credit risks for lenders.  

To increase your chances of getting approved for a car loan after bankruptcy, it is important to do the following:

  • Work on rebuilding your credit.

  • Save up for a down payment: A larger down payment can help to offset the risk that a lender takes on when lending to you, which can increase your chances of getting approved for a car loan.

  • Shop around for a lender: Different lenders have different requirements for loan approval, so it is a good idea to shop around and compare offers from multiple lenders to find the one that is right for you.

By the way, if your car is in bad shape, the value is less than what you owe, or you can't afford or don't want the car any longer you can surrender it back in the bankruptcy and OWE NOTHING!

Call us now for a free consultation!

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