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Do I have the right to purchase a vehicle following Chapter 7 bankruptcy? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by providing you with interactive financial calculators and tools, publishing original and objective content. This allows users to conduct research and compare data for free and help you make sound financial decisions. Bankrate has partnerships with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that appear on this site come from companies that pay us. This compensation could affect how and when products are featured on the site, such as the sequence in which they appear within the listing categories in the event that they are not permitted by law. This applies to our loan products, such as mortgages and home equity and other home lending products. However, this compensation will have no impact on the information we provide, or the reviews you see on this site. We do not include the universe of companies or financial offerings that could be open to you. SHARE Maskot/Getty Images

2 min read Read Published March 31, 2022

Jerry Brown Written Jerry Brown Written by Contributing writer Jerry Brown is a contributing writer for Bankrate. Jerry writes about personal loans, auto loans and debt management. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are committed to helping readers gain the confidence to take control of their finances by providing precise, well-researched, and reliable information that breaks down otherwise complicated subjects into digestible pieces. The Bankrate promises

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At Bankrate we aim to help you make smarter financial decisions. While we are committed to strict ethical standards ,

This article may include some references to products offered by our partners. Here’s a brief explanation of how we make money . The Bankrate promise

Established in 1976, Bankrate has a long history of helping people make wise financial choices.

We’ve maintained our reputation for over four decades by simplifying the process of financial decision-making

process and giving people the confidence in which actions to take next. process and gives people confidence in the next step.

so you can trust that we’re putting your interests first. All of our content was created in the hands of and edited by ,

who ensure everything we publish will ensure that our content is reliable, honest and trustworthy. The loans reporter and editor concentrate on the points consumers care about the most — the various types of loans available as well as the best rates, the best lenders, the best ways to pay off debt and much more. So you’ll be able to feel secure when making your decision to invest your money. Editorial integrity

Bankrate adheres to a strict code of conduct , so you can trust that we’ll put your needs first. Our award-winning editors and reporters produce honest and reliable content that will assist you in making the right financial choices. Key Principles We appreciate your trust. Our mission is to offer readers accurate and unbiased information, and we have established editorial standards to ensure that happens. Our reporters and editors thoroughly verify the truthfulness of content in order to make sure that the information you’re reading is accurate. We maintain a firewall with our advertising partners and the editorial team. Our editorial team does not receive any direct payment by our advertising partners. Editorial Independence Bankrate’s editorial staff writes in the name of YOU – the reader. Our goal is to give you the best advice that will assist you in making smart personal finance decisions. We adhere to strict guidelines for ensuring that editorial content is not influenced by advertisers. Our editorial team receives no directly from advertisers, and all of our content is verified to guarantee its accuracy. So when you read an article or a review you can be sure that you’re receiving reliable and dependable information. How we make money

If you have questions about money. Bankrate can help. Our experts have been helping you manage your finances for more than four decades. We continually strive to provide our readers with the professional advice and tools required to succeed throughout life’s financial journey. Bankrate follows a strict policy, therefore you can be confident that our information is trustworthy and reliable. Our award-winning editors, reporters and editors provide honest and trustworthy content to help you make the right financial decisions. The content created by our editorial team is factual, objective and is not influenced by our advertisers. We’re honest regarding how we’re capable of bringing high-quality information, competitive rates and helpful tools to our customers by explaining how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated for the placement of sponsored products and, services, or when you click on certain links posted on our website. Therefore, this compensation may influence the manner, place and in what order items appear within listing categories in the event that they are not permitted by law. We also offer mortgage or home equity products, as well as other home lending products. Other factors, like our own website rules and whether the product is available within the area you reside in or is within your personal credit score could also affect how and where products appear on this website. While we strive to provide a wide range offers, Bankrate does not include details about every credit or financial item or product. When you file for Chapter 7 bankruptcy, it can be on your credit report for up to 10 years following the date of the filing. In this time it is possible that you will need to buy a car. And while it is more difficult, you can take out an auto loan following bankruptcy. In order to compensate for the greater risk that comes with bankruptcy, a lender might offer a greater interest rate or require more of a down amount. Do I need to buy a car following bankruptcy? The answer to this question will depend on your financial situation and the transportation requirements. Affordability: Any car you buy must be within your budget. Make sure it’s by , not just the cost of the car. Your current transportation If you already have reliable transportation, it may be a good idea to wait from buying a vehicle. Your interest rate is likely to be lower than you would like when bankruptcy is still showing on your credit report. Using cash: Avoiding the auto loan prior to the bankruptcy being removed from your record may be the best option. By using cash, you could avoid the loan completely. 3 ways to finance a car using an auto loan after bankruptcy When trying to finance your vehicle with an auto loan after bankruptcy, you could have more difficulty in finding a lender Some will not be willing to collaborate with you. Also, once you find an lender willing to allow you to borrow money, you probably won’t qualify for the . 1. Pay-here, Buy-here, and Pay-here dealers During the course of your research, you may come across buy-here or pay-here dealerships which don’t require credit checks. Even though these dealerships can cooperate with you if you have had bankruptcy, you may end having to pay more than your vehicle is worth. Before you make a decision be sure to do your homework and inquire about hidden fees. 2. Credit unions If one of them , you can try applying to get an auto loan at a credit union. Since credit unions are not-for-profit and owned by members and are member-owned, you could have better chances of securing financing. Additionally, you may get the lowest interest rate. 3. Co-signer If none of those options work, an alternative would be to get someone with good or excellent credit, to be a cosigner on an automobile loan to you. Before going this route be sure to explain the situation to the person . If you do not pay back your loan the co-signer will be responsible for the payments which could adversely impact their credit. When to purchase a car depends on your financial situation. While the right time to buy your car varies depending on your financial situation and needs, this is the time you will get the most favorable bargain and rate. The delay until your credit score improves before you buy a car may reduce the interest rate a lender will offer you. But if you can’t wait and require a vehicle now, you should look for the lowest price. Due to the epidemic, some car manufacturers were forced to close their factories for months and saw inventory and sales decline. If you’re in need of an automobile, you might be looking to get around the shortage of new vehicles. However, be sure to do your research and don’t purchase a vehicle that you aren’t able to afford. The bottom line is that while you are able to buy a car in bankruptcy, you must anticipate paying an additional interest rate when you get the loan. While you wait for your credit rating to increase may reduce your interest rate, it’s not always possible. Examine all of your loan options before taking out an loan. Take advantage of available incentives from dealers and avoid dealers that have additional fees. Learn more:

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Written by a contributing writer Jerry Brown is a contributing writer for Bankrate. Jerry writes about home equity, personal loans, auto loans and managing debt. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers gain the confidence to control their finances through providing concise, well-researched and well-written facts that break down otherwise complex subjects into bite-sized pieces.

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