Those with "Post BK: auto loan approvals

[Anonymous]

2 months after chapter 13 discharge.
Both would have financed 35g
Chase 6.0 %
Refinanced right away witth penfed 4.8%
Score was 624 - 637
Is now 673 across the board since april.

[trdorsey]

I just bought a New/Used car this week.

29K

Wells Fargo Dealer Services

7.9%

Score was pulled @ 634

Discharged on 6-16

[Vegas4Play]

---

@SSH0126 wrote:

What company/credit union did you get financing with? 

What was your score at the time of the application? 

What was the max or amount that you got financed ? 

Thanks for sharing in detail.

---

DH Got:

Huntington bank Auto Finance

Fico TU 730.....35K....4.25%

1 month post Discharge from 5 year BK 13

[Safe4Me2]

Hello,

At 5 months post BK I was approved by GM Financial for 25000. My score was around 600.

[chesnutlane]

---

@Safe4Me2 wrote:
Hello,

At 5 months post BK I was approved by GM Financial for 25000. My score was around 600.

---

Hello,

2 months post chapter 7

All fico 8 scores

EQ 627 Trans 581 Exp 612

Approved from Road Loans 27,901@ 19.95 interest on my own 

@I tried the Capital One Auto Prequal and was denied ( burned a cc with them was denial reason ) I went into a dealer who was on the Capital Ones approved list and he got them to approve me @ 9.34 72 months 0 down. I purchased a 2015 Honda CRZ hybrid with 7,800 miles for 15,781 plus tax. For eveyone looking if you dont get a prequal dont give up on them just like when applying for the credit cards on " no offers found " 

Hope this helps someone and wish you all well !!

[2GreenThumbs]

What company/credit union did you get financing with?  My local CU, Capital One, Wells Fargo Dealer Services. 

What was your score at the time of the application? EQ FICO 8 Auto enhanced 668, EX 669 (7 days post 13 DC)

What was the max or amount that you got financed ? With CU:  $32,000 @ 5.49%;  With Cap1:  $40,000 @5.39%;   With Wells Fargo:  $33,400 @ 2.99%

[SSH0126]

Scores won't be 700ish can't compare 

[Anonymous]

---

@SSH0126 wrote:

What company/credit union did you get financing with? 

What was your score at the time of the application? 

What was the max or amount that you got financed ? 

Thanks for sharing in detail.

Particularly those with 400-low 600 scores ours will not be high 6 or 700ish. 

---

Carvana/ Go Financial

584 They pulled from Experian

Got financed for $1,000 down up to about $19,000 on any vehicle. I noticed in some where around $19,500 or maybe $19,800 the down payment would change to $2,000.

I financed $17,000 at 12%. 

Good luck!

Oh I forgot to mention this was done about 1 to 2 weeks after my discharge. I had previously applied about a month before I was discharged and was given a 17% APR.

[Anonymous]

Capital one auto and small local credit union (one branch only)

Up to $40K at 2.5-5% (cap one) and 3.25% (credit union with a 0.25% discount if we set up autopay)

3 months after ch 7 discharge

Scores mid 600's

Oh and we have 1500 for downpayment

[Bcunniff9]

What company/credit union did you get financing with? Santander

What was your score at the time of the application?
EQ: 571 TU: 508 EX: 584

What was the max or amount that you got financed ?
Financed $18,000 for 4 years with $900 down @17.31%, 50 days post Ch 7 discharge.