We have experienced specialists who have helped thousands in your situation. These advisors are available right now to start your approval process. We work with a group of banks and finance companies that understand your needs. Plus, all lender report to the credit bureaus to help rebuild your credit. With a huge selection of quality new and pre-owned vehicles to choose from, we are confident you will find a vehicle you like and can afford.

Every situation is different. We have huge selection of quality new and pre-owned vehicles to choose from. Rick Hendrick has 25 different brands, covers 11 different states, and has over 25,000 vehicles available. That’s the Hendrick Advantage.

Customer service is our highest priority. Thankfully, we have a separate, trained team that has helped thousands of customers in your situation. We are proud to have thousands of positive online reviews and one of the highest reputation scores in the nation.

Putting down money toward your car loan can lower monthly payments, reduce the terms of your loan, and help you get a better interest rate. Even if you have bad credit, lenders will look at your down payment when determining whether to approve your loan. While a down payment may help increase the odds of an approval and decrease the monthly payment, it is often possible to obtain financing with zero money down.

• A valid driver’s license – Verify your license is not expired, revoked, or suspended. Also ensure the address listed on your driver’s license is current and matches your state of residence.
• Proof of insurance – Take care to include the name of your agent and a reliable contact number. Preemptively adding a new car to your policy will not be necessary until approval.
• Proof of residency – A recent bill for utilities, such as water or electric, is sufficient proof so long as your name is listed and matches the address given.
• Proof of employment – For approval, a recent (within 30 days) pay stub stating your year-to-date earnings is sufficient. Self-employed individuals must provide two years of professionally prepared tax returns.
• A list of personal references – Most finance professionals expect six references. A reference means any individual that knows you personally — be it a family member, friend, or work colleague. Your list should include full names, addresses, and phone numbers. Keep in mind your references cannot reside at the same address. As a courtesy, get permission from your references before listing them as a lender may contact them.
• Phone number verification – Any phone number provided must be in service and under the applicant’s name. Prepaid cell phone numbers will not be accepted.

Yes, please bring the title to the vehicle you are trading in.

Yes, please provide your discharge papers.

Please provide necessary paperwork after receiving an Authorization to incur Additional Debt from the court.

• Check your credit and see if there are any steps you can take to boost your score – Before you apply for a car loan, it is a good idea to check your credit score. If you do not need a vehicle right away, see if there is anything you can do to enhance your score before taking out the loan. Reducing as much debt as possible and paying your bills on time can increase your score, lowering your monthly payments.
• Ensure you have enough saved for a down payment – Putting down money toward your car loan can lower monthly payments, reduce the terms of your loan, and help you get a better interest rate. Even if you have bad credit, lenders will look at your down payment when determining whether to approve your loan. While a down payment may help increase the odds of an approval and decrease the monthly payment, it is often possible to obtain financing with zero money down.
• Find a cosigner – If you can find a cosigner with good credit, it can greatly increase your chances of getting approved for a car loan.

After your bankruptcy has finalized, you might lean towards living on a “cash-only” basis, but that will do nothing to improve your credit score. In today’s world credit is a necessity. Your credit is checked by insurance companies, prospective employers and creditors. After your bankruptcy, it might be easiest to qualify for “secured” lines of credit, which are backed by collateral like an automobile or a deposit account that you fund through your bank. If you open up new credit cards, just remember to pay the balance in full each month, and don’t max them out.

If you’re going to apply for a credit card or an auto loan, it’s extremely important that the company you’re using reports to all 3 credit bureaus. Otherwise, your hard work and timely payments will do nothing for your credit score. There are many credit card companies out there that will try to take advantage of your situation, so if you’re applying for a card, make sure it’s with a reputable company who reports to all three bureaus and who won’t charge you a fee just to apply.

Many experts agree that one of the fastest ways to rebuild your credit after a bankruptcy is by opening a secured auto loan and making on-time payments each month.