Some dealerships were hesitant until they saw the actual discharge paperwork. Keep a digital and physical copy of your Discharge Order and your Schedules handy. It proves the debt is gone.
Be prepared for higher APRs. While not as predatory as "buy-here-pay-here" lots, I still ended up with a rate higher than I’d like. My strategy is to take the loan now and look to refinance in 12–18 months once my post-BK credit history thickens. buying a car after chapter 13 discharge
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It’s 100% possible to get a reliable, modern car right after Chapter 13. Just do your homework, shop around for financing before hitting the lot, and don’t let the "finance guy" rush you into a bad deal just because you’re relieved to be done with court. Some dealerships were hesitant until they saw the