So after 5 years I was officially discharged from my Chapter 13 two days ago! Today I drove less than 1/8 of a mile from my house and warning lights came on and the engine started knocking. I had so hoped to have a little time without car payments...
On the plus side, my Experian Auto Fico 9 is 701. Anyone know where I can get a loan?
Virtually anywhere you want.
Do you have a relationship established with a national credit union or local credit union?
If so, that's where I'd start...call and ask their policy regarding post-BK customers, specifically CH13 (like yours) and mention it's a discharged CH13.
Best of luck!
Thanks. Two separate mechanics agreed complete engine rebuild was needed. Cap One wouldn't prequalify me but once I got to a dealership they ended up being the financing company. 
@luvsandyshores when you use the prequalify tool on Cap1 with their Auto Navigator, it assumes the oldest model year and 110% LTV based on clean trade, etc. If their system won't approve you on those terms, it won't issue a preapproval.
Your terms you were granted approval on were likely more favorable for both you and Cap1 as the lender.
Best of luck in your rebuild and I hope that helped explain why you didn't get a prequalified offer.