Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

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

This is a sticky topic.
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  • #61
    I wonder if it would be these same finance companies everyone has mentioned in this thread who would give financing to someone PRE Chapter 13 with bad credit?


    • #62
      carsellermd, I called 722 and they gave me the name of a second lot near my area. They' re currently looking for the type of car I am interested in. Will be keeping fingers and toes crossed. If no luck there, I'll call again for a list, which would have been helpful from the get go. thank again. This site is wonderful.


      • #63
        Originally posted by gusiey View Post
        Will I be able to refinance at the new market value with Asuncion Capital or do I need to be realistic and let that car go and get a new more affordable car.....and if I need to get a car finance who do I go to..?
        For anyone looking to refinance their car, from what I found, is no one will refinance a car loan that was around pre-discharge. So stop paying on the car and save up whatever money you can and let the car go. Buy a clunker or not so clunker, until you can get a down payment saved up. This is what I had to do.


        • #64
          true it will be extremely difficult to refi after the bk, but I believe you still have a certain amount of time after the discharge to add anything to the bk. you could but the car into the bk and buy another one. you can actually get financing with $0-$1000/down


          • #65
            Lender: Wachovia
            APR: 8%
            down payment: $500
            months after discharge: 2
            months after filing: ~5
            credit scores: 610 equifax, 628 transunion, 649 experian


            • #66
              Lender: Santander
              APR: 14.9
              down payment: $2000
              months after discharge: 6
              months after filing: 14
              credit scores: 580 equifax, 632 transunion, 595 experian


              • #67
                Lender: Carmax Financial
                APR: 14.9
                down payment: $1300
                months after discharge: 8
                months after filing: 12
                credit scores: 620 equifax
                Retained Lawyer 10/3/08
                Filed Chapter 7 11/25/08
                Equifax 536 on 11/25/08, Equifax 571 on 03/11/09
                Discharged 03/11/09


                • #68
                  Lender: Chase Auto Finance (JP Morhan Chase)
                  APR: 15.75
                  down payment: $2000
                  months after discharge: 3
                  months after filing: 6
                  credit scores: 625 transunion, 535 Experian, 545 Equifax


                  • #69
                    Lender: Chase Auto Finance (JP Morgan Chase)
                    APR: 12.9
                    Down Payment: $1500
                    Months after discharge: 4

                    I really don't know what our scores are.

                    We were also approved with Capital One at 17% APR and $1,000 down but we took the Chase offer instead.
                    4/09 Converted to a Ch 7 due to loss in dh's income
                    5/09 UST now involved no idea what happens next
                    7/09 UST has decided to withdraw his motion to dismiss!
                    7/27/09 DISCHARGED!!!


                    • #70
                      Lender: Americredit
                      APR: 17.9
                      Down Payment: $1200
                      Months after discharge: 0(discharged Friday, purchased Monday)

                      Credit Scores via Experian 610 and Transunion 515(don't get the difference) but that is what kept me from a 12% rate with CapOne.

                      Will refi once reestablished and scores and reports cleaned up!!!
                      Chapter 7 filed: 07/30/2009 PRO-SE
                      341 scheduled: 09/11/2009
                      Discharged: 11/13/2009


                      • #71
                        Lender: Americredit
                        APR: 17.9
                        Down payment: 1,000 (New car, 2010)
                        Months after discharge: 0 months.... 5 days later

                        Credit score used was Equifax and score was around 598-571 (can't remember what the dealer score showed).

                        I'm with freedom on this one.... will be refi'ing in about 4 months! The Ford dealership actually offered to refi me.
                        BK Ch 7 Discharged 09/2009 | Anything I say can and should be used as friendly advice and sharing of experiences with an unbiased viewpoint.
                        Scores: EQ 745 EX 704 TU 710 as of 08/15/2012


                        • #72
                          Everyone that got loans had to buy from a dealer I take it, no private sales???


                          • #73
                            Originally posted by RK05 View Post
                            Everyone that got loans had to buy from a dealer I take it, no private sales???

                            I would like to know, what "kind" of cars did you get? As in make and Model? Seems there is low downs and high rates so does that mean you have really big payments or very small in-expensive cars?
                            Last edited by TroubleinCalif; 11-20-2009, 08:56 AM. Reason: added content
                            Filed August 15th 2008
                            Closed: 2/23/2009


                            • #74
                              I purchased a 2010 Ford Edge from the dealership.
                              BK Ch 7 Discharged 09/2009 | Anything I say can and should be used as friendly advice and sharing of experiences with an unbiased viewpoint.
                              Scores: EQ 745 EX 704 TU 710 as of 08/15/2012


                              • #75
                                2008 dodge caravan sxt, 25k miles, from a dealer, 16,888 plus tax and tags, added extended warranty and put 1200 down, 426 month til i can refi, the further out from discharge the better rates, but almost anyone can get an approval from day 1 post discharge, some people have higher down pays because of pre bk credit history, repos, lates, etc.
                                Chapter 7 filed: 07/30/2009 PRO-SE
                                341 scheduled: 09/11/2009
                                Discharged: 11/13/2009


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