110 Automall Drive
Roseville, CA 95661
Welcome To 123 Easy Auto Approval
At 123 Easy Auto Approval, we specialize in helping people obtain financing for quality transportation. Don't let the lack of a down payment, less than perfect credit or even a recent bankruptcy filing keep you from owning a quality new or late model vehicle of your choice. At 123 Easy Auto Approval in Roseville, we have financing available for all types of credit situations and payments that are designed to fit your budget. Come meet our auto finance experts in person at our dealership in Roseville, or call us directly to discuss your vehicle needs.
Why Should You Shop With 123 Easy Auto Approval?
GET THE HELP YOU DESERVE WITH OUR
At 123 Easy Auto Approval, we understand that bad things can happen to good people. Contact us to review your needs and preferences, and we'll work hard to connect the loose ends for you. With a long history of helping people in our local community, we're anxious to help you, too!
You are invited to our special
"0 Down" Sale
Limited Time Offer
0* Down Delivers
And no payments for 45 days.
* on approved credit
Automotive Bankruptcy Sale Event
THIS IS NOT A MISTAKE! Don't let the lack of a down payment, less than perfect credit or even a recent bankruptcy filing keep you from owning a quality new or late model vehicle of your choice. At 123 Easy Auto Approval in Roseville, we have financing available for all types of credit situations and payments that are designed to fit your budget.
Buying a new or late model vehicle of your choice has never been easier.
Even if you just recently filed for bankruptcy yesterday, WE CAN HELP!
- Call (916) 297-6743 and talk directly with or Finance Director. Or fill out our short online application and receive your approval the same day.
- Schedule your appointment to visit our office. Bring your current pay check stubs, driver's license, and proof of insurance.
- Select your vehicle from hundreds of new or late model cars, trucks, vans and SUVs in stock. Then complete the required paperwork and drive home in your new vehicle the same day.
Josh Joseph, Direct Credit Specialist Manager
123 Easy Auto Approval
110 Automall Drive
Roseville, CA 95661
Call: (916) 297-6743
Auto Financing After A Bankruptcy
One of the best ways to recover from bad credit after filing bankruptcy is to get a car loan and make the payments on time. A paid-as-agreed auto loan after bankruptcy will raise your low credit score and get you back into the credit world. If you are currently in the middle of a bankruptcy or recently discharged, it doesn't mean you can't get auto financing. If you meet the minimum requirements, don't wait any longer. Waiting will not help you rebuild your credit. Many dealers out there say they can help someone with bankruptcy, however, do not have the inventory or the lenders that will give you the best financing terms available. This could land you with huge interest rates, big monthly payments and especially a car you might not like. Don't get stuck with a bad auto loan. Let the professionals at CleanSlateAuto.com help you get the best financing possible. We work with over 25 specialized after bankruptcy lenders across the U.S., that are eager to earn your business and help you get back into the credit world.
To qualify for a bankruptcy financing program, applicants should meet the following basic approval requirements.
- Be currently employed. (Retirement, SSA-SSI, child support and self employed is ok with verification of income).
- Minimum gross monthly income of $1,500.
- Money down may be required.
- No repo in the last year unless part of a bankruptcy.
Type Of Bankruptcies
There are two types of personal bankruptcies: Chapter 7 and Chapter 13. A few years ago it was more common for people with bad credit to file a chapter 7 (total liquidation). With a chapter 7, all your debts are wiped clean and the process takes only a few months.
Since the new bankruptcy laws went into effect, fewer and fewer and fewer people are allowed to file chapter 7. More and more people are now filing chapter 13., which is a repayment plan that lasts between three and five years.
Get Approval from your Trustee For Open 13's
To get an auto loan in an open chapter 13 bankruptcy, you will have to do some work. There is no such thing as an instant approval or apply today Drive Today Auto Lending if you are in an open chapter 13. First you should check with your trustee or attorney and let them know that you want to buy and finance a car.
Every lender that approves people in open bankruptcies requires an Authorization to Incur Debt. This is a legal document obtained from the bankruptcy trustee. It states what your maximum allowable payment is and that the new loan will not be part of the open bankruptcy.
As long as the new car you plan on purchasing is within your budget, most trustees have no problem approving your request. We recommend that you obtain this document from the courts prior to shopping for your new car.
Financing a car after or during a bankruptcy may seem hard because there are so many dealerships that will not work with someone that has a bankruptcy or even challenged credit. When someone with a lingering bankruptcy starts looking for car dealers that can help them out of their situation, they need to do some preparing for what is to come. Finding just any dealer is not what you want to do; you need to locate car dealerships that accept bankruptcies with the lenders to match and that has the inventory to meet your automotive needs. Look no futher, we are that dealer, and we have helped over a thousand plus satisfied customers find the cars of their dreams with the payments they can afford. When you are on the road to rebuilding and re-establishing your credit, don't get discouraged, just take your time and call us with any questions you may have. No pressure applied, we promise.
Welcome to CleanSlateAuto.com. Here you can get pre-approved online not matter what your credit situation. We believe in three simple steps to our program:
- Apply online.
- Make an appointment with one of our Custom Finance Specialist and provide the documents needed for the bank.
- Search our extensive pre-owned inventory of cars, trucks and SUV's of most makes and models.
Start driving the car of your dreams. At 123 Easy Auto Approval, you will have access to the best banks for your particular situation and you will leave with a payment that you can afford. That simple. Call us NOW and start driving today!
Bankruptcy Auto Financing F.A.Q.
Read our answers to some of the questions we are most commonly asked about getting a car loan while in a bankruptcy.
Can I get an auto loan while in an open chapter 13 bankruptcy?
Yes, however, it might require more work on your part and permission from the trustee.
Can I get auto financing during a chapter 7 bankruptcy?
Yes, you can get auto financing the day after you file, however, you must meet the lender guidelines.
How long do I have to wait after the bankruptcy is discharged before I can apply for auto financing?
No wait is needed. This is the best time to start re-establishing your credit.
Can a person who has had multiple bankruptcies still get a car loan?
Yes. Most people can qualify for auto financing as soon as their most recent bankruptcy is discharged.
How much money down will I need?
When buying a car after bankruptcy, it is recommended that you have some money down. There are no- money-down auto loan programs, but usually $500 to $1000 will help you get more favorable terms.
Will I qualify for auto financing if I still have the financed vehicle in my possession or in the process of having the bank pick it up?
Yes. Most bankruptcy auto loan lenders will approve your new loan as long as the deficiency balance was included in the BK and you have surrendered the vehicle. You can surrender the vehicle at the same time you are purchasing your new one.
Directions To Our Dealership in the Roseville Automall
Use the directions link below, or call us at (916) 297-6743 for directions to 123 Easy Auto Approval.