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Email Us: jeffc@replacevehicle.com
Fax Us: 949-315-3410

Get approved for ZERO down
in as little as
72 hours
after Bankruptcy Filing

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Average interest rate as of October 1st, 2017 is 12.99% for up to 72 months with NO prepayment penalty.

Replace Vehicle has been recommended by Consumer bankruptcy attorneys throughout Southern California

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What people are saying about us

Honest to goodness reviews from our clients (Click Review to Read in Full)

I was amazed how quickly everything got done. I really didn't think i was going to able to get a vehicle, i really had no hope. But they came th...
Randy
I was amazed how quickly everything got done. I really didn't think i was going to able to get a vehicle, i really had no hope. But they came through, and found me a really great car. I would highly recommend them.
Randy
Jeff was amazing. This was the best car buying experience EVER!...
lynn
Jeff was amazing. This was the best car buying experience EVER!
lynn
Jeff was amazing and helped me get two cars. I would definitely be back in the future to work with Jeff...
michael
Jeff was amazing and helped me get two cars. I would definitely be back in the future to work with Jeff
michael
I don't know where to start, Jeff was an angle.Jeff delivered everything he said he was.Jeff asked me what kind of car I was looking for and wha...
Ms.
I don't know where to start, Jeff was an angle.Jeff delivered everything he said he was.Jeff asked me what kind of car I was looking for and what payments would be comfortable for me,I told him and I swear about a couple of hrs later " POOF LIKE MAGIC" he sent me pictures of the exact car and what my payment would be, my interest rate and down.I couldn't have asked for nothing better than what Jeff did for me. To be honest with you I kinda thought it was to good to be true and it took me a day to actually think about it.I'm so happy "I STEPPED OUT IN FAITH". I was in and out less than an hr.Thank you again Jeff for all that you do.
Ms.
It’s a good, fast, real, I get my car with out hassles, paperwork was ready and clear Great service and willing to help to you start driving y...
George
It’s a good, fast, real, I get my car with out hassles, paperwork was ready and clear Great service and willing to help to you start driving you newest car . Mr Jeff was great . % Recomended ...
George
Jeff is awesome. Truly painless process and I was very surprised the vehicle I bought was flawless! I thought my situation was hopeless, but it ...
Ramon
Jeff is awesome. Truly painless process and I was very surprised the vehicle I bought was flawless! I thought my situation was hopeless, but it turned out amazing...Thanks Jeff.....Ramon
Ramon
I Contacted Jeff 2 days after filing,I completed the application and Jeff contacted me the next day he asked what type of vehicles and options w...
Terrance
I Contacted Jeff 2 days after filing,I completed the application and Jeff contacted me the next day he asked what type of vehicles and options we were looking for we responded and hours later he was sending us pictures of the different vehicles we were interested in he also provided us with all the numbers including rates and payments we met with Jeff to test drive the cars 20 minutes later we were done the proud owners of 2 certified pre owned vehicles a 2015 and 2017 models with under 10,000 miles both were cheaper monthly and newer and fewer miles than what we previously had and in immaculate conditions with all the records and verified by a car fax report.Jeff was great to work with very upfront and delivered on everything he said he could do he made a tedious situation very pleasant.
Terrance
Jeff was in helping me pick something reliable and affordable...
Honesty
Jeff was in helping me pick something reliable and affordable
Honesty
I went in and it was just as we spoke about on the phone. Quick and easy. Thank you Jeff for all your help....
L
I went in and it was just as we spoke about on the phone. Quick and easy. Thank you Jeff for all your help.
L
Jeff saved my life. I had purchased a car at another dealership and told them I wouldn't have my discharge for 30 days. 2 weeks later, they dema...
Teresa
Jeff saved my life. I had purchased a car at another dealership and told them I wouldn't have my discharge for 30 days. 2 weeks later, they demanded the car back, because I didn't have my discharge. I called Jeff and in within 4 days I had a reliable car. This was such a relief, since I am a single mom and rely on this vehicle to get my boy to school and me to work. Thank you Jeff, you do great work!
Teresa
I got put into a vehicle newer than the one I had and with way way less miles. This thing is almost brand new. I didn't think it would be this e...
Salvador Iniguez
I got put into a vehicle newer than the one I had and with way way less miles. This thing is almost brand new. I didn't think it would be this easy after the bankruptcy. Thank you Jeff. I was in and out in 30 min.
Salvador Iniguez
Jeff was awesome through tge whole process he answer all my 1,000 questions in a timely manner. At the end even though i was fresh from filing m...
Louie
Jeff was awesome through tge whole process he answer all my 1,000 questions in a timely manner. At the end even though i was fresh from filing my bankruptcy Jeff was able to get me exactly what i wanted with zero down! I walked away with a 2016 Kia optima with low miles and ZERO DOWN!! highly recommend Jeff for all your needs.
Louie
Best experience buying a car ever. Jeff kept every promise he made. Loving my new car!...
tammy
Best experience buying a car ever. Jeff kept every promise he made. Loving my new car!
tammy
Great simple honest and direct...
Dimitri
Great simple honest and direct
Dimitri
Jeff was amazing. His customer service is first class all the way. I will be returning to buy another car for sure....
Che
Jeff was amazing. His customer service is first class all the way. I will be returning to buy another car for sure.
Che
Wow. I am so grateful for the great service I received from Jeff he make buying a car a pleasant experience and I will return again for sure....
Monica
Wow. I am so grateful for the great service I received from Jeff he make buying a car a pleasant experience and I will return again for sure.
Monica
After filing BK i got this notice from replace vehicle.com.. I thought what the heck, I'll try anything once thinking they couldn't help me.Afte...
Robert
After filing BK i got this notice from replace vehicle.com.. I thought what the heck, I'll try anything once thinking they couldn't help me.After contacting Jeff things happened fast. I told him what i was looking for and he found it fast. He sent pictures AND DETAILS of my new car. We scheuled an appointment for the following day and made the deal. I drove the car signed and drove home!! Less talhan 30 minutes. I would and will refer jeff to everyone and use him for my next purchase. He did this even with my credit 2 weeks after filing!!! Jeff Thank You and i look forward to seeing you in the future for my next purchase!!
Robert
Jeff was great very friendly process was so easy.. Love my car...
Takisha
Jeff was great very friendly process was so easy.. Love my car
Takisha
Amazing. My experience changed how I feel about car buying and changed how I will buy cars in the future. And....My guy was the best! He made me...
Alice
Amazing. My experience changed how I feel about car buying and changed how I will buy cars in the future. And....My guy was the best! He made me very comfortable about the process and I LOVE it!
Alice
Ask for Jeff got a great. Deal and what i wanted!...
Robert
Ask for Jeff got a great. Deal and what i wanted!
Robert
Jeff is AWESOME!! He found THE EXACT car I wanted!! Sometimes WE are dealt a set of bad cards, but Jeff definitely helped ME deal with them! Tha...
Karen
Jeff is AWESOME!! He found THE EXACT car I wanted!! Sometimes WE are dealt a set of bad cards, but Jeff definitely helped ME deal with them! Thank You again so much!!
Karen
Jeff is AWESOME!! He found THE EXACT Car I wanted!! Sometimes WE are dealt some bad cards, but Jeff definitely helped ME deal with them! Thank Y...
Karen
Jeff is AWESOME!! He found THE EXACT Car I wanted!! Sometimes WE are dealt some bad cards, but Jeff definitely helped ME deal with them! Thank You again so much!!
Karen
I used replace vehicle end of February and I am very happy with he car. It was so easy to work with Jeff and his response time was great as well...
Beatriz
I used replace vehicle end of February and I am very happy with he car. It was so easy to work with Jeff and his response time was great as well. He kept his part on getting me a car and I just have to keep my part paying on time. I would have liked to be just a little more involved in the process as far as dealing the contract for future reference, just to see all the places "I" applied for car loans. but all in all I am very happy. My interest rate is 13.99% $399 car payments and NO money down. Jeff said he will help me refinance in 12 months. Looking forward to working with Jeff again in the future.
Beatriz
Jeff Cohen was wonderful. He made promises and kept them. I am driving a vehicle I love....
cyndy
Jeff Cohen was wonderful. He made promises and kept them. I am driving a vehicle I love.
cyndy
Smooth experience . Jeff was really awesome and great. Highly recommend...
Jojo
Smooth experience . Jeff was really awesome and great. Highly recommend
Jojo

Why Work with Us

Do not reaffirm your existing vehicles until you read this website

Apply 3 days after filing

Zero down

(in most cases)

Rates much lower then dealers

Rebuild credit

(no pre-payment penalty we report to all credit bureaus)

Zero hassle

(No sales-people, closers, managers, or finance people to deal with)

No surprises

(All numbers provided upfront)

If you owe more than your vehicle is worth, 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 October, 2017: No prepayment penalty Average Interest Rate: 12.99 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.

Application costs nothing. Information is free!
Apply Now

Get approved for ZERO down, just fax (949) 315-3410 or email current paycheck stub.

Specializing in Low-Interest Auto LoansAfter Bankruptcy

The process is really quite simple. After receiving your info, we get a loan commitment from one of our lenders. We then forward all of the details to you via e-mail. Interest rate, term, amount approved for. We also give you the formula to figure out what your car payment will be, based on how much you spend,and the terms of your loan.

Under normal circumstances when you make a purchase at a dealership, you are supporting everybody from the guy washing the car, up to the owner. We at Replacevehicle cut out all of the middlemen in the purchase. The only people making any money on your purchase is us and the owner of the dealership.

That is the reason we can get you pricing that you would never be able to get on your own. The dealership looks at the deal as found business, because you wouldn’t be there if it weren’t for us. This is also the reason we can make the numbers make sense to the lender, because they are taking less risk by loaning you a fair amount of money based on the true value of the vehicle in today’s market.

We only deal with new, or previously owned vehicles that are one owner and have clean car faxes. The problem with a new car is that it depreciates instantly as you drive off. Typically you can get much more car buying something that is a year or two old. Most cars have the remaining warranties in place and the history of the vehicle is checked by us.

f.a.q.

Here are some common questions
about ReplaceVehicle

Yes, all our loans have No prepayment penalties. You only pay interest for as long as you have the loan.

By law all your debts were listed in your bankruptcy petition, whether or not you decide to keep your car is another issue.

No, you are basically renting your car, the lender can’t call you, or send you statements anymore because it was included in your bankruptcy. This does not report to the credit bureaus anymore.

You have 60 days after your discharge to back out of the agreement, this allows you to correct a potentially bad decision.

The only thing that is important, is the amount of money you owe on your vehicle, compared to what it is worth in today’s market. You don’t want to carry excess debt through your bankruptcy.

Yes, actually it is better to get both loans at the same time, instead of getting one and then trying to get a second later on.

Because you will not have to bury any negative equity in your new purchase, the enemy is not the interest rate, but the amount of money you are financing.

In most cases, you can obtain a new auto loan 1 week after filing.

Still have questions?

Fill out all forms, below and a REAL person will respond within 24hrs.

Your questions and comments are important to us.

Apply Now!

Application costs nothing! Information is free. Any information provided below will always be kept completely confidential.

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