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Why Work with Us

    • Do not reaffirm your existing vehicles until you read this website
    • Apply 3 days after filing
    • 0 down in most cases
    • Brand new loan on the vehicle of your choice
    • You may replace more then 1 vehicle
    • Rebuild your credit (all loans have no pre-payment penalty and report to all 3 credit bureaus
    • Rates much lower then dealers
    • No sales-people, closers, managers, or finance people to deal with at dealer
    • All numbers provided upfront, no surprises


I never thought it could be this easy, my attorney told me about Replacevehicle. Within 2 days I was out of my old loan and into a new one at a rate of 11.99%
Bart F / Carlsbad, Ca
I went to 4 different dealerships and they all told me the same thing. Big down payment, and 24.9% interest. When I spoke to Jeff he put my mind at ease and I got exactly what I wanted at a payment I could afford.
Marcus J / Rancho Santa Margarita, Ca
After my bankruptcy I didn’t know where to begin, luckily I took my attorney’s advice and called Jeff. Once I applied on the web, I had all of the info I needed within 4 hours. It was the best car buying experience I’ve ever had.
April O / Santa Ana, Ca

If you owe more than your vehicle is worth and you are filing bankruptcy, do you know your post-discharge options?

Most of us rely on our vehicles to get to work, to the store, to the doctor and to drive our children to school and play. Giving up your vehicle is really not an option. However, you are afraid that after you discharge you will only be able to get a high-interest loan to pay for your car, if you can get a loan at all.
Many people confronted with this situation keep the car, reaffirm the debt and continue to pay very high interest rates in order to continue driving. Replace Vehicle has a better solution.

Make Good Choices

A discharge is a new financial beginning. It is important to make good decisions about your future, and that includes future automobile loans.
In order to secure the best possible auto loan, you need the help of a professional who can offer good financing and a great deal on the vehicle of your choice.

It is also important to remember that a car is really nothing more than metal and glass that loses value every year. It does not make sense to go into debt for a new vehicle when you can get by with a less expensive one. You can always trade your vehicle once it is paid off, so start small and build your credit up again before you try to purchase an expensive vehicle.

The Truth About Discharge

Do not be surprised if you are inundated with pre-approved offers for car loans. There is a reason you are the target of so much interest: car dealers know that you just received your discharge and cannot file bankruptcy again for some time. Therefore, you are actually a better risk than someone teetering on the brink of bankruptcy but who has not yet filed.
Furthermore, car dealers know that you may be desperate to get into a vehicle. They realize that you may not be aware of your options and that they can extract enormous interests rates by making you believe they are “doing you a favor.”

What Is The Replace Vehicle Difference?

At Replace Vehicle, we do not gouge you after a bankruptcy. Our goal is to provide you with reliable, affordable transportation at a fair rate of interest.
As of August 1, 2014: No prepayment penalty
Average Interest Rate: 11.99 percent
Loan Terms: Up to 72 months
Maximum Loan Amount: Up to $35,000
Visit Replace Vehicle today to learn more about how we can help you into a car after bankruptcy.