Most lenders want to see at least 12 months of reliable credit history. Meaning all transactions,mortgage, rents, car payments, and the like, have been paid as required in the financial agreement(s).
If there was a secured loan and you reaffirmed the debt in your chapter 7 and you have paid off the loan, you should get the title from the lender. If you surrendered the car to the lender in your chapter 7, your balance was discharged as an unsecured loan and you have not owned the car since you surrendered it.
Applying for a credit card before a car loan can potentially lower your credit score temporarily due to the hard inquiry on your credit report. This may affect your ability to secure a favorable interest rate on the car loan. It's generally recommended to apply for a car loan first if that is your priority.
To apply for a secured loan, you will need to provide collateral, such as a car or property, to secure the loan. You will also need to fill out an application with your personal and financial information, and the lender will assess your creditworthiness before approving the loan.
The contract should include the applicable terms in case of a repossession. If there are no specifics as to the action, the laws of the state in which the vehicle loan was granted apply.
It's fairly easy to buy a nice used car after you've been discharged from bankruptcy; there are companies that send mailings to these people offering them car loans. You'll pay a high rate of interest,though. Buying a nsw car or leasing a car tends to be more difficult, but if you have an income adequate to pay off the loan, you may be able to get those, too.
Whether your car loan is discharged by a bankruptcy or not will depend on your state and the equity in your car. Whether the loan will be discharged or not is called an "exemption".
No, only unsecured debt is discharged.
apply for a loan
There are many websites dedicated to day to apply for a loan for a car loan. You can compare rates from different banks and shop around for the best loans.
IF your loan was discharged, you are NO longer the owner of the car. You can call a local wrecker company to come get it as a towaway. You cant get title to it.
MoneySupermarket is a company based out of the United Kingdom. If you are a resident of the Uk, you could apply for a car loan from the MoneySupermarket.
You cannot return the car. The Buyer's Remorse law does not apply to vehicles. It only applies to unsolicited sales.
If there was a secured loan and you reaffirmed the debt in your chapter 7 and you have paid off the loan, you should get the title from the lender. If you surrendered the car to the lender in your chapter 7, your balance was discharged as an unsecured loan and you have not owned the car since you surrendered it.
If the Chapter 13 was dismissed before the Plan was completed and the balances of unsecured debts discharged, you may have a difficult time getting a car loan. If the Plan was completed and you have a discharge, you will be able to get a car loan at car dealers, but you will pay a high interest rate. If you make on-time payments for 6 months, you may be able to get a refi on the loan at a lower interest rate. Your best bet is to open an account at a local credit union and apply there for a car loan.
No, you cannot get a loan directly, you need a co-signer on whose name the loan will have to be approved. I am suggesting you few website where you can apply for the car loan.
Applying for a credit card before a car loan can potentially lower your credit score temporarily due to the hard inquiry on your credit report. This may affect your ability to secure a favorable interest rate on the car loan. It's generally recommended to apply for a car loan first if that is your priority.
No place. Loans are not guaranteed when you apply. You have to meet the conditions of the loan to get it. Even if you drive a car off a lot the dealership can ask for the car back if the loan isn't finally approved.