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Where do I get a car loan after bankruptcy?

I just finished with my bankruptcy, and unfortunately, my car decided to call it quits. I was hoping it'd hang in there long enough for me to get my life together again or work on my credit. Unfortunately, I will need a loan. Where do I get a car loan after bankruptcy?

avatar
Lauren Smith · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear your car called it quits after your bankruptcy ended. Thankfully, there are a few places where you can apply for a loan after bankruptcy, including:
  • Banks
  • Credit unions
  • Online lenders
  • Dealerships
If you can’t get help through these ways, you can try a
buy here, pay here dealership
. A buy here, pay here dealership does its own financing, meaning they don’t check your credit score or history. Because of this their loans typically have high-interest rates.
With bad credit, you have a couple of options to try and get approval from lenders. This includes:
If you are stuck with a bad deal, know that you can always refinance in the future. Refinancing allows you to adjust the terms and conditions of your loan to potentially lower your interest rate or monthly payment.
You can refinance with the
Jerry
app. We’ll make sure you aren’t overpaying and help you switch over to a new lender. On average, people who refinance save $85 a month.
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