Bankruptcy Car Loans

You Can Get an Auto Loan After Bankruptcy

If a bankruptcy filing has put a load of stress on your mind, we’d like to be one of the first companies to help you get your life back in order. We help people in Denver and the surrounding area who have had their bankruptcy discharged and need a reliable used vehicle.

Car Loans for Bankruptcy Chapter 7 or Chapter 13

D1 Auto Credit is about so much more than getting a bad credit car loan. We are a pre-owned auto dealership where you can qualify for a vehicle after your bankruptcy is discharged, and also get a reliable and great looking vehicle.

All of our cars come with a 90 day / 3,000 mile limited warranty.

We qualify you with our in-house financing. We collect information about available down payment, income, expenses and other criteria to insure that you are getting into a vehicle that you can afford. We have a no credit check policy, so we don’t take your credit score into the equation. Your job is your credit!

How We Can Get You an Auto Loan After Bankruptcy?

First, as we said, we don’t check your credit score. Since we are a “buy here pay here” car lot, we are the bank. We don’t take your information and run it through a bank or credit union’s system. We make the decision on a case by case basis with our in-house analysis which helps determine the vehicle that best fits your needs and financial situation.

Second, we will work with you on your down payment. We know how hard it can be to come up with a down payment after a bankruptcy and how important a low down payment is in that situation.

It is important to note that we will be able to get you a post bankruptcy auto loan. We won't waste your time. The only question is which vehicle you qualify to drive away with. Please apply for your car loan after bankruptcy by clicking the button below.

Call our Lakewood dealership at 303-274-7692 or our Thornton dealership at 303-287-5511 today to learn more. You can also stop by our dealerships in Lakewood or Thornton to talk over your situation, fill out a short application and look through the many great cars, SUVs and trucks on our lot. You’ll be glad you did.

Top 7 Reasons People File for Bankruptcy

Medical Expenses

By far, 62%, of all bankruptcies are caused by the high cost of medical care. Even those with health insurance file for bankruptcy as a result of unexpected medical expenses.

Reduced Income from Job

The key word here is “reduced”. It’s no secret that Americans live pretty large compared to other nationalities. Many people don’t save enough for a turn of fortune in their jobs. Combine this with a comfortable lifestyle and it can mean bankruptcy.

Loss of a Job

When you lose your primary source of income, it can take a while to get another job. During this time people still have payments that they have committed to. People are good hearted and tend to continue to honor their debt; sometimes for longer than it takes to get a new job.

Credit Card Debt

Some would say this is a subset of the reasons stated above. It makes sense. Say you have an unexpected medical bill. What option do people have besides putting the expense on their credit card? When you lose your job, you still need to pay for food… so out comes the credit card. Add to this that many Americans have a shopping addiction.

Costly Divorces

Lawyers fees, alimony, and perhaps taking on former spouse’s debt in joint accounts or contracts can sink even the most sturdy financial plan.


An accident is an unexpected turn of events. Most people don’t save, or don’t make enough to save for things like automotive breakdowns or accidents that total their vehicle, flood or storm damage, loved ones needing help, or veterinary bills for your best friend.

Student Loans

The cost of a higher education has increased by more than 11% across the board for tuition from 2012 to 2016. The majority of students finance their college education. This can not only take years to pay off, it can also cause a person to file bankruptcy when the other expenses of living keep going higher, and income remains steady.