All Makes & Models
Get approved for ZERO down
in as little as
72 hours
after Bankruptcy Filing
Average interest rate as of October 1st, 2017 is 12.99% for up to 72 months with NO prepayment penalty.
Honest to goodness reviews from our clients (Click Review to Read in Full)
CericeCericeCericeCericeLCLCPaulaPaulaRandyRandylynnlynnmichaelmichaelMs.Ms.GeorgeGeorgeRamonRamonTerranceTerranceHonestyHonestyLLTeresaTeresaSalvador IniguezSalvador IniguezLouieLouietammytammyDimitriDimitriCheCheMonicaMonicaRobertRobertTakishaTakishaAliceAliceRobertRobertKarenKarenDo not reaffirm your existing vehicles until you read this website
(in most cases)
(no pre-payment penalty we report to all credit bureaus)
(No sales-people, closers, managers, or finance people to deal with)
(All numbers provided upfront)
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.
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.
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.”
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.
Get approved for ZERO down, just fax (949) 315-3410 or email current paycheck stub.
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.
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.
Fill out all forms, below and a REAL person will respond within 24hrs.
Application costs nothing! Information is free.
Any information provided below will always be kept completely confidential.
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