@chosen4th wrote:I think this thread has a ton of info about people getting car loans after discharge, but everything without having a car loan IIB.. Does anyone have history of getting a loan WITH having a car IIB? I had my car turned over (repo'd) and cannot get approved for anything .. im 1 month discharged and a 670 score on credit karma, though when i have filled out an app it says a 540 score
I actually IIB two car loans and was able to secure a loan for a much lower payment the week of my discharge with Consumper Portfolio Services with a 14% interest rate. My dealer had a great finance guy who worked out the deal with CPS and as I have stated the dealership's finance manager can make or break a deal. Try reaching out to the "volume" dealers and asking if they have a special BK finance manager. Many of the dealers who do have them mailed me letters constantly to come in to see them for almost 6 months post Discharge.
Just adding my experience - Nissan Financing approved me 45 days post discharge with terrible interest, but 0 down. Their only stipulation was that I not keep my current car which was IIB but is reporting wrong on credit as open. Interest rate was 16.25, but the dealer is saying they can likey get it down to 14%. Terrible, but the payment would match what I had with my old car ($250/month) and I'll be trying to refinance with NFCU or another lender in 6-12 months when I'm able to get a much better rate.
This was looking at a used/certified pre-owned 2015 Nissan Sentra. I'd love to keep my SUV, but will be happy/survive in the Sentra with mangeable payments. 
@Anonymouswrote:Just got DENIED by Penfed for a used auto loan, due to my 2015 ch7 bk.
They sent me a "conditional approval" email saying they needed the details of the vehicle make/model, VIN number etc. So I went shopping and negotiated a price and then emailed them the details. This is when they denied me, not because the vehicle didn't meet the parameters of their finance rules but because of the BK. Very frustrating, as they knew about the BK when they sent the conditional approval and they made it sound like the only condition was that the vehicle represent reasonable collateral for the loan.
My profile: Fico's are in the 680-700 range, BK filed May 2015 (2 years, 10 months ago). I had a Toyota Financial Lease that was reaffirmed, with perfect payment history in that time frame. My credit cards are at 6% util, no baddies at all on my report since the bk.
Penfed noted the bk and "time accounts have been established" as reasons for the denial.
That is interesting as I thought this would be plenty of time to have been reestablished....how much is the loan, your yearly income, and your down payment?