Can I Buy a Car After Bankruptcy?

Absolutely. Even though a bankruptcy declaration can stay in your credit for up to ten years, it is entirely possible to purchase a car after filing bankruptcy.

How soon can I buy a car after bankruptcy?

Chapter 7: Technically, a Chapter 7 Debtor is not authorized to incur debt, including vehicle purchase debt, until after the entry of a Discharge Order (which occurs about three months after a case is filed). Some vehicle lenders will pre-qualify you right after filing and before discharge to make the process faster.

Chapter 13: A Chapter 13 Debtor can obtain a new car loan as long as they have Chapter 13 Trustee or Court permission. The Trustee/Courts will approve a request to incur debt to purchase a vehicle as long as it is reasonable and fits into your Chapter 13 case. This can be a little tricky (as with any Chapter 13 Plan adjustment). Please check with your attorney on the process.

Facing Debt or Financial Problems?

You can still regain control of your finances by reaching out to an experienced bankruptcy attorney in Washington. Let us help you resolve your financial issues skillfully, protect your assets with compassion, and utilize every means possible to achieve your desired results. Contact us for a free consultation today.



Given our 30 plus years of experience, we know vehicle lenders that make loans to people after filing bankruptcy. If you cannot find an experienced lender that can help, just contact us and we’ll send you the names of several contacts that you can check with that are experienced in lending to people after filing bankruptcy. We are here to help!

How do I know if I should file for bankruptcy?

At The Robert Russell Law Office, we are committed to providing each and every one of our clients with compassionate and trusted representation at reasonable fees. We know that every case is different, which is why we review your situation and discuss both your bankruptcy and non-bankruptcy options with you.

If you’re considering bankruptcy as a debt relief option, contact our Seattle and Vancouver bankruptcy attorneys today so we can help you make an informed decision for your financial future.


Robert Russell Law Office

(360) 946-0940

Ask a question or request a free consultation.

Retain an Attorney for as little as $100.