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How do you get a car after filing for bankruptcy?
I recently had to file for bankruptcy, but my car broke down. I'm going to have to get a new one. Can I still get a car loan after filing for bankruptcy?
Will Baldwin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear that!
The best piece of advice for this is to wait and rebuild your credit score before applying for a
car loan
. That said, having a car is essential, and understandably, waiting may not be an option.Luckily, even though you’ve filed for bankruptcy, you can still get a car loan. Since your APR will likely be high given your bankruptcy, you’ll need to shop around for a
specialized loan
.Once you have landed on a company and loan, make sure to make your monthly car payments and rebuild your credit score. At some point, you may have the opportunity to refinance your loan to get a better rate.
While you likely already have a car insurance policy, consider shopping around before purchasing your new car. Looking at rates for your new car will ensure you’re paying the best rate for insurance.
If you’d like help, the
Jerry
app is the easiest and most effective way to find a car insurance policy that is customized for you. After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy! Best of luck in your search!
MORE: Can I keep my car in a bankruptcy?
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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