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I'm 25 months post DC.
I'm looking at getting a car. Not for cash but financing it. I ended up buring the bank in my BK with my last lease. Returned the car. The two leases before that were fine. The bank happened to be Chase which I burned big time with CCs.
I'll finance through a different bank but how hard is it to get a car lease/car loan after a BK? Since the car is collateral is it a bit easier? As opposed to a unsecured loan.
You can get a lease or loan after BK but your interest or cost will be astronomical.
to get a car loan it's pretty easy, a lease just depends on your profile and other factors. I got a brand new truck a couple weeks out of chapter 7 and got under 4% on a new ram. I am just about one year out now and actually just got another car loan along with my truck. They didn't ask for anything I just signed and left.
I'm one year post CH7. Credit Union was 6% on used auto.
Check out credit unions. You can also try Capital One Auto Navigator pre qual. I believe they list the APR (which wont be exact at times) in the ballpark. Just to get an idea.
I got a car through Lexus