Are you looking to post this on a site, or is this for a personal blog or forum like Reddit?
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
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. Are you looking to post this on a
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. My strategy is to take the loan now
You finally have your discharge papers! Unlike being in the plan, you don't need court permission or a "Motion to Incur Debt" anymore. You are a free agent again.