Frequently Asked Questions
Everything People Ask Before Applying
Real questions from real applicants, answered plainly. If you don't see yours here, schedule a 15 minute call with Jeff here. (opens in new tab)
No minimum credit score is required. Approval is based primarily on provable income and having had at least one prior auto loan.
Most applicants receive a loan commitment within 24 hours of filing their bankruptcy paperwork.
Rates are based on the vehicle's fair market value rather than dealer markups, so they typically run lower than standard post-bankruptcy "buy here pay here" financing. Your exact rate depends on income, loan history, and the vehicle chosen.
Yes. Payments are reported to all three major credit bureaus, so on-time payments contribute to rebuilding your credit history.
One-owner vehicles with clean title history, selected to fit your approved loan amount.
See what you're approved for
Applying is free and doesn't affect your credit score. We will get back to you within 24hrs.