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Who were approved through post BK and some details...

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  • Discharge: October 2010
    Filing: July 2010
    Date applied for: Feb. 11, 2013
    Score: 626

    Great news here:
    1. Capital One approved me for $21,000 at 5.26 interest.

    2. My local credit union then approved me for $21,000 at 7.99 interest.

    3. Applied for Honda, got rejected.

    4. Then just this week, Toyota approved me for 0 percent over 5 years. I'll probably use $15,000.

    It might have helped that I own a Toyota now--I don't know, but I was shocked that I got the advertised 0 percent.

    Good luck!

    Comment


    • Congrats! I got the same deal 3 months post-bk as a first-time Toyota Owner/former Honda owner.
      Chapter 7 Filed 2/28/2012
      Discharged 7/24/2012
      Cased Closed 8/7/2012

      Comment


      • Date Discharged: Me - Apr 2012, Husband Feb 2013
        Lender: Toyota Financial
        Date Applied For: Feb 2013
        Approval Amount: 3-year lease on a new Toyota Corolla MSRP $20K
        Interest Rate: n/a, but tier 2
        Term: 3 years

        Found out that 11 months post-BK, my TU score is 679, which qualified me for $0 down. The dealership had to make extra calls and get extra documentation to approve husband, but it worked.

        Comment


        • 3 months after discharge, was approved by wells fargo at 8.49% for 60 months. Didn't think I'd get financing at all and was super happy with the rate.
          Chapter 13 Filed: 12/3/07
          Payments: 2/60

          Comment


          • Originally posted by pinkpeanut01 View Post
            Date Discharged: Me - Apr 2012, Husband Feb 2013
            Lender: Toyota Financial
            Date Applied For: Feb 2013
            Approval Amount: 3-year lease on a new Toyota Corolla MSRP $20K
            Interest Rate: n/a, but tier 2
            Term: 3 years

            Found out that 11 months post-BK, my TU score is 679, which qualified me for $0 down. The dealership had to make extra calls and get extra documentation to approve husband, but it worked.
            Pink this is exactly what I did in October 3 months post-BK7 - got a 1500 rebate from them too for the '13 Corolla S on 36 month lease.
            Chapter 7 Filed 2/28/2012
            Discharged 7/24/2012
            Cased Closed 8/7/2012

            Comment


            • Discharge: November 2012
              Filing: July 2007
              Date applied for: May 2013
              Score: 638 & 649

              Applied for Capital one and asked for 19,500 and were approved for 23,400 at 2.94% for 72 months. We plan to buy a new 2013 Honda Civic EX and negociated the price to 19,500 and will end up borrowing 20,000 including tax (its capped at 300 in SC). Our payment will be $305 per month.We don't have any down payment or trade (giving our old Honda to our son).We don't plan on trying to get financed with Honda, I don't think they will beat that rate (their 0% is only for 36 months).Our household income is 72,000/year.
              Last edited by katztoo; 05-28-2013, 07:28 AM.
              Filed Chapter 13 - 7/10/07 - 5 year plan with 2 cars and 10% unsecured payback,
              Last Payment 7/12, DISCHARGED 11/26/12 CLOSED 12/18/12

              Comment


              • Ch 7
                Discharged Sept 9 2013
                Filed April 2013
                Date Applied Sept 17 2013

                Applied Cap1 Blank Check thinking no way. Asked for 21.
                Approved for $26,400 72 months

                APR is 8.04% but not complaining at all.

                Comment


                • Date Discharged: 10/17/12
                  Lender: RoadLoans
                  Date Applied For: 9/20/13
                  Approval Amount: $14,000 for private seller / $28,000 for dealer
                  Interest Rate: 11.49% for private seller / 16% for dealer
                  Term: 60 mo

                  Vehicle Requirements: 2001 or newer with less than 98k miles
                  Mileage Terms:
                  0-60K = 72 Months
                  60K-70K= 60 Months
                  70k-90K= 48 Months
                  90K-98K = 36 Months

                  I'm going to try to use $9,000 for a car with a private seller. The process can take 10-14 days, so I don't know if the seller will be willing to deal with us or not.
                  BK7 Filed 7/10/12 • 341 8/15/12 • Discharged 10/17/12 • Closed 5/6/13 Thanks to everyone here!

                  Comment


                  • Date discarged: 8/2012
                    Filed:6/2012
                    Lender:Chase
                    Date applied:9/21/13
                    Approved amt:$14,334
                    Term:60 months
                    Interest: 7.79%
                    Experian score: 591

                    Traded in my 07 hyundai elantra with 63k miles (reaffirmed and paid off 1/2013) and purchased an 07 Jeep Grand Cherokee with 34k miles..needed a better winter vehicle with more room for the family.. very happy to be on my way to building back my credit :-)

                    Comment


                    • Date Discharged: OPEN CHAP 7..FILED BK 7 9/9/2013.NOT YET DISCHARGED
                      Lender:TIDE WATER MOTOR CREDIT
                      Date Applied For: 10/19/2013
                      Approval Amount: 35,000
                      Interest Rate: 17%
                      Term: 72

                      Comment


                      • Wow! Before discharge! I'm in your exact situation. How do I apply with this company?

                        Originally posted by mjjjlove View Post
                        Date Discharged: OPEN CHAP 7..FILED BK 7 9/9/2013.NOT YET DISCHARGED
                        Lender:TIDE WATER MOTOR CREDIT
                        Date Applied For: 10/19/2013
                        Approval Amount: 35,000
                        Interest Rate: 17%
                        Term: 72
                        Filed 11/14/13 ____FICO 515
                        341 12/23/13 ____FICO 545
                        Discharged 03/03/2014

                        Comment


                        • Date Discharge: 12/2011
                          Lender: Volkswagen credit
                          Date Applied For: 12/28/2013
                          Interest Rate: 3.44%
                          Term: 72 months
                          Score: 678

                          We originally applied for capital one blank check and approved for 3.4% for new or 3.94% for 2012 and increased from there for older cars. We needed a second car and found a great deal on a certified 2012 Jetta S with 28k miles. When they saw the blank check, they said they thought they could beat it, and were able to get VW credit at 3.44% for 72 months. We financed the car for 72 months with $0 down, and a payment of $198/month.

                          Comment


                          • Date Filed: 10/19/13, Chapter 7
                            Date Discharge: Not yet discharged, Suppose to be 1/24/14
                            Lender: Capitol One Auto Finance
                            Date Applied: 1/19/14
                            Interest Rate: 19%
                            Term: 72months
                            Score: 538

                            Got a 2014 Toyota Camry LE with 6miles on it. I put $1000 down as my down payment and my payments are in the low $400's but i will not complain because i got the Toyota Total care package and my oil change and maintenance is of no cost to me for 5years.. God is GOOD!!! Single Mom with 2 kids and having a reliable car now feels good..

                            Comment


                            • Date Filed: 7/12
                              Date Discharge: 10/12
                              Lender: Toyota
                              Date Applied: 8/13
                              Interest Rate: 0%
                              Term: 60 months
                              Score: 691

                              Lender: Chase
                              Date Applied: 9/13
                              Interest Rate: 3.9%
                              Term: 60 months
                              Score: 692

                              Lender: Community America
                              Date Applied: 10/13
                              Interest Rate: 2.9%
                              Term: 60 months
                              Score: 697

                              Comment


                              • Date Discharge: 07/2012
                                Lender: Honda Financial
                                Date Applied For: 11/20/2013
                                Interest Rate: 1.95%
                                Term: 36 months
                                Score: 665

                                Second Lease Approval since Discharge. First was with Toyota 3 months out of discharge, traded for a new 14 Accord EX-L
                                Chapter 7 Filed 2/28/2012
                                Discharged 7/24/2012
                                Cased Closed 8/7/2012

                                Comment

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