Honda Financing after BK or other BK friendly lenders

[ordnance1987]

Hello, I was recently discharged from a Chapter 7 in August. I was wondering if Honda Financial loans to people with bankruptcies? I am currently looking at buying a Civic for 25K with taxes ,tags, and fees. I am currently only making 25k a year working part time and going to school full time. I also have less than a month working at my current job. I was working at my last job for eight years but had to leave because it was interferring with school. I also don't have too many bills, I only have two student loans that are defered while I am in school. I am planning on putting down 1k and trading a car in worth around 1k also. Current scores are low 600s with TU being under 600. What are other lendersI can look into? I am working on rebuilding my credit and am planning on refinancing after 8 months or so maybe a year. I am also wondering how the car buying works I never bought a car at a dealership before. Thanks for the help

[0REDSOX7]

You're going to need at least 60 days of employment history (verifiable pay stubs) before many lenders will consider you.

With that said, Honda can be picky.

I would wait at least 60 days before applying anywhere.

Also, expect a rate north of 10%. I was stuck with 18.99% with Santander right after my bankruptcy discharge.

Have you spoken to a local credit union?

[sccredit]

A number of lenders will max the loan amount at 75% of your annual income (so $25k*.75=$18.75k).  

[ordnance1987]

@0REDSOX7: Thanks for the info, my employer doesn't give paystubs yet. It is a startup and they pay by direct deposit. The credit union that I am a member of is NFCU, I tried to apply for a bike loan before my BK and was denied. I currently just got a CC through them and I applied for their checking line of credit and was denied.

@sccredit: Thanks for the info guess I will have to look for something cheaper