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Can I get a car loan when I’m in bankruptcy?

I just went into bankruptcy, but I really need a car. Unfortunately, I can't afford one, so I probably need a loan. Is that possible? Can I get a car loan while I’m in bankruptcy?

avatar
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Securing a loan during bankruptcy can be challenging, but try not to worry. You can get a
car loan
 during bankruptcy, though your options will be limited.
Due to bankruptcy’s impact on your credit, you’ll need to settle for loans with higher interest and worse terms like
buy here pay here
 loans. You could also seek out other options like lenders that specialize in people with bad credit, but you’ll face many of the same issues.
Luckily, your credit won’t stay down forever! Once it starts to recover, you can refinance your car for a more affordable interest rate and lower monthly payments.
For help finding a lender to refinance your loan, try the
Jerry
 app. No matter what your credit score is, Jerry makes refinancing your car easy by comparing quotes from multiple lenders to find a rate that works best for you. On average, car owners pay $85 less every month by refinancing their auto loan.
MORE: Can I keep my car in bankruptcy?
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