Buying A Car After Chapter 13 Discharge -

Buying a car after receiving my Chapter 13 discharge was a mix of relief and reality checks. If you’re in the same boat, here’s what I learned:

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

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. Buying a car after receiving my Chapter 13