Get Approved for Your Next Vehicle

The timeline for car buying after bankruptcy depends on the type of bankruptcy filing. For a Chapter 7 Bankruptcy, you are eligible to buy a car as soon as your bankruptcy is discharged. This is usually around 4-6 months after filing. For a Chapter 13 bankruptcy, you are eligible to purchase a vehicle within 6 months of your discharge  or you may receive special permission from the court to purchase during the repayment period. We work with select lenders that may be able to accommodate your Chapter 13 bankruptcy. Contact Us for more information on your individual eligibility. 

Most of our customers are able to secure an auto loan without the need of a co-signer. Lenders may require a co-signer depending on your own individual situation. For example, if you have poor credit history or income limitations, a co-signer may be requested. A co-signer is most often a spouse, parent, or other family member.

While we do offer pre-approvals without the need for a credit check, you will ultimately need a full credit pull before your vehicle purchase is completed. This allows us to get the most accurate information to your lender and helps us find you the best possible rate and payment plan. You can get your no credit check pre-approval online here.

We have options available for financing both new and used vehicles at Hubler Chevrolet. In some cases, purchasing a new vehicle is actually a better option for someone in a tough credit situation. New vehicles often qualify for lower interest rates and are less risky for lenders since they include a long warranty period. Even for pre-owned cars, newer vehicles will typically qualify for lower interest rates and longer loan terms. So, you payment on a 2 year old vehicle could be lower than your payment on an 8 year old vehicle.

Hubler Chevrolet does not offer Buy Here Pay Here, simply because we don't need to. Thanks to our unique 99% Approved program, our lenders can approve the same people who would be approved for Buy Here Pay Here lots- but with lower rates, more flexibility, and a better credit-building opportunities. You can get approved for an auto loan by filling out our credit application here.

You may qualify for a no money down car loan at Hubler Chevrolet. The amount of money you need for your down payment will vary based on your credit history and the vehicle that you choose. Be sure to consult with one of our financing experts to see which vehicles on our lot could be financed with $0 down. Contact us here.