Buying A Car After Chapter 13 Discharge -

Be prepared for higher APRs. While not as predatory as "buy-here-pay-here" lots, I still ended up with a rate higher than I’d like. My strategy is to take the loan now and look to refinance in 12–18 months once my post-BK credit history thickens.

Some dealerships were hesitant until they saw the actual discharge paperwork. Keep a digital and physical copy of your Discharge Order and your Schedules handy. It proves the debt is gone. buying a car after chapter 13 discharge

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Even with the discharge, your score might still be in the "subprime" range (500s to low 600s). I found that traditional big-box banks were still a bit cold, but credit unions and specialized "fresh start" programs were much more welcoming. Be prepared for higher APRs

Are you looking to post this on a site, or is this for a personal blog or forum like Reddit? Some dealerships were hesitant until they saw the