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

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  • I just purchased a brand new 2012 focus titanium on 7/2 I got x-plan pricing and $1500 rebate
    Date Discharged:10/11/11
    Lender: JP Morgan Chase
    Date Applied For: 7/2/2012
    Approval Amount: $19,300
    Interest Rate: 4.6 Term: 72 months
    CB pulled TU
    score at time of pulling 729!!!!!!!! Even though it was auto enhanced my TU FICO score was 705

    I have been really busy cleaning/rebuilding since discharge


    • Congrats! Did you do the math to understand how much interest you will be paying to finance XX dollars over 6 years?
      The information provided is not, and should not be considered legal advice. All information provided is only informational and should be verified by a law practioner whenever possible. When confronted with legal issues contact an experienced attorney in your state who specializes in the area of law most directly called into question by your particular situation.


      • I did and it was disclosed to me in the paperwork by the finance guy. There is no penalty for paying the loan early, which I plan on doubling up the payment every month. I realistically could afford a 24 month loan, but I wanted to play it safe in case of disaster. It should be paid off in 28-30 months and the interest that I will have paid will be much smaller. Love the car!


        • Date Discharged: 6-20-12
          Date Applied: 8-13-12
          Lender: Toyota Financial
          APR: 5.25% with Zero down 60 months
          Approval amount: $18,000
          Credit Score: 650

          I was so excited to get approved after many other banks wouldn't even give me the time of day! I went to PNC, Huntington, and my local credit union....all of them said I really need to wait 2 years after BK. I'd love to go back in and tell them my rate of 5.25%!!!

          And although I did post this in another thread, I really appreciated reading all of you who shared your rates and lenders and credit score in this 'sticky' thread, so I wanted to make sure to share mine!


          • Date Discharged: March-20-2013
            Lender: Capital One
            Date Applied For: August 23rd
            Approval Amount: $40.000.00
            Interest Rate: 3.86%
            Term: 72 months
            Credit Score - 626

            For what it's worth, I've never been 30 days late (car payment only) during the past 20 years and continued to pay my car note while driving the vehicle that was discharged via a chapter 7.


            • Originally posted by hmsmith View Post
              Date Discharged: 6-20-12
              Date Applied: 8-13-12
              Lender: Toyota Financial
              APR: 5.25% with Zero down 60 months
              Approval amount: $18,000
              Credit Score: 650

              I was so excited to get approved after many other banks wouldn't even give me the time of day! I went to PNC, Huntington, and my local credit union....all of them said I really need to wait 2 years after BK. I'd love to go back in and tell them my rate of 5.25%!!!

              And although I did post this in another thread, I really appreciated reading all of you who shared your rates and lenders and credit score in this 'sticky' thread, so I wanted to make sure to share mine!
              This was an excellent deal. Congrats!


              • Date Discharged: March-02-2011
                Lender: Capital One
                Date Applied For: August 31 2012
                Approval Amount: $30.000.00
                Interest Rate: 8.86%
                Term: 72 months
                Credit Score - Equifax 638
                Not liking this deal at all so I applied at my CU. Went in to office and told them my down payment and car I wanted they said approved, go get your car bring us PO
                Lender: Pacific Federal CU
                Date Applied For: 9/3/2012
                Approval Amount: $40.000.00
                Interest Rate: 4.75%
                Term: 72 months
                Credit Score - Equifax 638

                So I went to purchase car made a great deal with my supplies pricing discount. Now they said please give us a chance we can beat that rate. The financing lady was great she said trust me I can do it. I figure after having 5 inquiry already ran what the heck go ahead. Now she was a former GMAC underwriter and was down size but land a job as manager at this dealership. She call me at work and said how about this deal:
                Lender: Chase
                Date Applied For: 9/05/2012
                Approval Amount: up to $50.000.00 my loan was $44540
                Interest Rate: 2.25% WOW I was floored
                Term: 72 months
                Credit Score - TU score was 772 that was a surprise my Equifax score was 638 like all the other pulls.
                Car payment $662
                Income 105k
                And before anyone said it yes it's a high note but my other car was 10.39% Cap 1 loan. I got it two months after discharge.
                I also own my house and have no kids no bills and will retire in 2018. I had 12k for my down payment.
                Last edited by locolady; 09-22-2012, 12:49 PM.
                filed 10/27/2010 341 12/10/2010
                No assets 12/15/2010 Discharged 3/2/11 Closed 3/7/2011


                • Wow! What kind of car did you get???


                  • Discharged: 9/8/12
                    Lender: Capital One
                    Date Applied: 10/11/12
                    Approval amount: 30,000
                    Int Rate: 9.82
                    Term: 72 months


                    • 2011 Mazda CX-7 with 37,000 miles

                      Date Discharged:10/9/12
                      Lender: Capital One
                      Date Applied For: 10/29/12
                      Approval Amount: $15,500.00
                      Interest Rate: 16.95%
                      Term: 72 months


                      • Date Discharged:FILED 9/14/12 NOT YET DISCHARGED
                        Lender:TIDE WATER MOTOR CREDIT
                        Date Applied For:11/03/2012
                        Approval Amount:16,000
                        Interest Rate:17.9



                        • Date Discharged: 11/5/12
                          Lender: GM Financial
                          Date Applied For: 11/9/12
                          Approval Amount: $14000
                          Interest Rate:
                          Term: 36 months

                          Approved for a lease on 2013 GMC Terrain. Zero down and only had to bring in 1st months payment and registration fee. Score was 751.
                          Chp 13: Filed 3/26/2007

                          11/5/2012 - 68 Months and finally free!


                          • Date Discharged: 1/2011
                            Lender: DCU
                            Date Applied For: 11/2012
                            Approval Amount: $40,000
                            Interest Rate: 1.99
                            Term: 60 months


                            • Great info! It would be more helpful if you posted what you bought new/used as some people have and also if it was through a dealer or private party. I'm finding that makes a HUGE difference.



                              • Date Discharged: 7-24-2012 BK7
                                Lender: Toyota Financial Services
                                Date Applied For: 10-31-2012
                                Approval Amount: $30.000.00
                                Interest Rate: 0% for 60 mo New, 0.9% for 60 mo CPO, 0.0008 MF Lease
                                Term: 36 months
                                Credit Score - Transunion 650

                                Chose to lease @ MF 0.0008 for 36 months, got 1500 customer cash from Toyota, they made the first payment and my payment is $236 a month including all taxes and GAP. 650 was their requirement for hitting Tier 3, Toyota has been giving Tier 1-3 the same rates if you read the fine print. Underwriter called my cell while I was waiting to verify I had applied since I had a FA on all 3 at the time, didn't even flinch once I told her it was me, asked nothing about the recent BK (neither did the dealer) or anything for that matter - it was a 30 second call after she said, if you left the dealer you can go back and get your car. I was shocked after only being discharged for 3 months and not being a former Toyota customer, I went there with this approval below intending to use this:

                                Lender: Apple Federal CU
                                Date Applied For: 10-31-2012
                                Approval Amount: up to $25,000
                                Interest Rate: 10.75%
                                Term: up to 72 months
                                Credit Score - Transunion 600

                                I was happy I had got this rate when they told me my score was 600 3 months out of BK7 thinking I would just refi after 6 months
                                Last edited by hrguy; 02-10-2013, 09:40 AM.
                                Chapter 7 Filed 2/28/2012
                                Discharged 7/24/2012
                                Cased Closed 8/7/2012


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