The Process
How Approval Actually Works
Most applicants don't know what to expect after bankruptcy, so here's the process in plain terms, start to finish.
01
You Apply
Application takes 5-10 minutes, cost nothing, and doesn't affect your credit score.
02
We Get a Loan Commitment
We take your info to one of our lenders and secure a commitment. Often within 24 hours of filing.
03
You See Every Number Upfront
We get a loan commitment - you get a rate, term, and approved amount sent to your inbox same day.
04
You Pick Your Car
Pick a new or one owner, clean history vehicle within your approved amount, sign paperwork and drive off the lot.
Do You Qualify? Most Likely
Here's How to Know For Sure
You don't need your bankruptcy discharged, and you don't need money down. In most cases, you just need:
Schedule a 15-minute call to get approved for a loan
We discuss your situation and confirm that you'll be approved.
Who You're Working With
Hi, I'm Jeff Cohen
I've worked with people rebuilding after bankruptcy for 18 years. The process is the same for everybody who comes to Replace Vehicles, no matter where your application comes from. I go through everything you need to know about the process and myself in the video. Thanks for watching.
18
Years in Business
00
Sales Pressure
24 hrs
Typical Approval Time
In Their Words
What clients say after they're back on the road
"I got put into a vehicle newer than the one I had, with way less miles. I didn't think it would be this easy after bankruptcy. I was in and out in 30 minutes."
- Salvador
"Jeff was able to help me get a car with no hassle from dealer. I was a bit skeptical at first but he explained everything well and eased my mind. He was very quick to respond and very informative. If you need help starting fresh with a car dont hesitate to reach out to him."
- H. Flores
"A truly painless process. I thought my situation was hopeless, but this whole situation turned out to not be so bad. Thank you Jeff!"
- Ramon
"I cried tears of joy and my daughter is so happy about our brand new 2025 car. Jeff thank you so much for this opportunity for a fresh start. I filed chapter 7 at the end of 2024 and here I am in a brand new car, which I would not have been able to do on my own."1
- Sage Dixon
"Just like the website said. I was approved in 24hrs and it took me no more than 30 minutes to sign papers and drive off the lot. Really appreciate it Jeff."
- George
Common Questions
What People Ask Before Applying
Yes, all our loans have No prepayment penalties. You only pay interest for as long as you have the loan.