Get the car you need. Financing built for life after bankruptcy.
Chapter 7 filers are welcome here — whether your case is still open or already discharged. Over 1,400 pre-owned vehicles plus brand-new models, real answers the same day, and no credit check just to see where you stand.
Check your eligibility in 60 seconds.
No credit check. No obligation. Just a straight answer.
Good people file bankruptcy. It doesn’t make you a bad customer.
Most of the people we finance came here after being told no somewhere else — or after assuming the answer would be no and never asking.
A Chapter 7 doesn’t disqualify you from financing a vehicle. It changes which lender you belong with, and we work with lenders whose entire business is this exact situation. Nobody here is going to make you explain yourself or lecture you about your credit.
You need reliable transportation. That’s the whole conversation.
Bring three things and we can work today.
That’s the whole list. Not sure what counts as income in your situation? Call and we’ll tell you before you drive over.
Proof of where your case stands
Your 341 meeting notice, your discharge order, or just your case number.
Proof of income
About 30 days of pay stubs, or the equivalent for self-employment, retirement, disability, or fixed income.
License and insurance
Valid driver license and current insurance information.
Three steps. No runaround.
Check your eligibility
60 seconds online or one phone call. No credit pulled.
We call you once with a real answer
Where you stand, what to bring, and whether today or a few weeks from now puts you in a better position.
You see every number before you sign
Vehicle price, fees, taxes, term, rate, monthly payment — in writing, in front of you. If it doesn't work, you walk. That's fine.
This is how the rebuild actually starts.
Your payments are reported to all three credit bureaus
An auto loan is one of the few installment accounts available to most people at this stage, and the payment history it creates becomes part of your file going forward.
The debt that was discharged is behind you
Lenders underwrite what you owe now against what you earn now — and for most people, that number just improved substantially.
The vehicle secures the loan
That's the structural reason auto credit comes back before credit cards do. It isn't a favor, it's how the product works.
None of this disqualifies you.
If you can document income and you’ve had your 341 meeting or your discharge, there’s a conversation worth having.
See what I qualify for- Chapter 7 still open
- Chapter 7 discharged
- Vehicle surrendered in the bankruptcy
- Repossession on your record
- Previous turndown at another dealership
- No credit history to speak of
- Self-employed, retired, disabled, or fixed income
- First-time buyer
Questions people ask before they call.
If yours isn’t here, the finance desk will answer it on the phone in about a minute.
(571) 688-2033No. The form doesn't generate a credit inquiry and neither does talking to us. A lender pulls your report only when you decide to submit an actual application.
Often yes. Once your 341 meeting of creditors has been held, the lenders on our program can review your file — you don't have to wait for the discharge order, which typically takes about another 60 days.
It depends on the vehicle, your income, and which lender buys your contract. It's usually less than people expect, and more down generally means better terms. We'll give you a real range once we know your situation.
Higher than someone with untouched credit, lower than a buy-here-pay-here lot. You'll see the exact number in writing before you sign anything.
Not usually. If your file needs one, a cosigner can meaningfully improve your terms — but they take on full responsibility for the loan, so it’s a decision to make carefully.
No. It's one of the most common situations we see and it's already accounted for.
In a Chapter 7 you generally don't need court approval to take on a new obligation after filing. Your attorney knows your case, though, so it's worth a quick call. Keep in mind a loan taken after your filing date isn't part of your bankruptcy and won't be discharged by it — you'll owe it in full.
We don't discuss your file with anyone but you, and nothing we mail you references your case on the outside of the envelope.
Find out where you stand.
60 seconds. No credit check. One honest phone call.
Sales: Mon–Fri 9–9 · Sat 9–8 · Sun 11–5