How to Get Financing for a Truck After Bankruptcy

Bankruptcy affects your ability to get credit, but a secured loan, such as financing for the purchase of a vehicle, is easier to get compared to an unsecured loan product like a credit card. You have several different options to try to get truck financing after a bankruptcy, and the effectiveness of these options depends on your personal financial situation.

Instructions

1

Check local dealerships for "Buy Here, Pay Here" establishments that offer bad-credit loans. Some of these dealerships may offer loans specifically for post-bankruptcy clients, while others give higher interest rates for bad credit borrowers.

2

Call local truck dealerships and ask to speak with the financing department or loan officers. Ask if any financing is available for post-bankruptcy consumers.

3

Visit local credit unions and talk to loan officers directly. Credit unions often have programs in place that are more lenient on credit requirements, and you can try to convince the loan officer to give you a truck loan when other lenders will not.