Bankruptcy Friendly Auto Refinance Bank or CU?

[tisha130]

I apologize if I am asking a question that has been asked before. I searched for an hour and unable to find Bankruptcy Friendly Auto refinance companies on this forum. I found plenty for non-bankruptcy consumers. 

I have a current auto loan 19k at 14% interest and I am looking to refinance in the next 2-3 months pending a credit score jump to over 680. Is anyone familiar with any banks or CU who will approve for interest rates under 7% with a bankruptcy and what credit score would be needed?

BTW I love this board, I have been a member for 4 yrs now and you guys are awesome, complete life savers. I haven't posted in a while but thanks to you Rockstars, I have been a homeowner for almost 3 yrs. Sadly, shortly after I purchased my home, I fell ill and took a 4 mth leave from work being that I cleaned my accounts out to purchase my home and lost 2k to the stock market I didnt have any back up ER funds to avoid filing bankruptcy. Needless to say, I still have my home and car. I actually have a new car Flagship Credit acceptance is very Bankruptcy friendly. I received a lower interest rate with a lower credit score after bankruptcy than before. I also have 1st premiere CC, Capital One CC, and F21 CC(don't ask I just wanted 15% off and shockingly got approved).

[kberly69]

Have you checked with Capital One? They gave me a pretty darned great car loan about 3 months post discharge (4.24% for 72 months). I don't know about re-fi but it would be worth an ask.

[tisha130]

I haven’t tried yet wanted to avoid multiple inquiries. What was your credit score when you were approved? That is a very good interest rate post bankruptcy. I’m leaning towards applying to DCU but wanted to weigh all my options.

[kberly69]

My scores were in the higher 670s-680s then (I waited a long time to file which I think was helpful in my rebound). Capital One has a prequal site that is a soft pull. I'd try it and see what happens, then contact them to ask about a re-fi.