Bankruptcy and Car Ownership: How BHPH Can Help

Multiple busy highways lead in and out of Los Angeles, CA, and the surrounding areas, and owning a car makes navigating much easier. If you’re interested in buying a car, but you’ve filed for bankruptcy, purchasing a vehicle from a buy here pay here after bankruptcy can help to make the process easier.

At Hawthorne Auto Square, we work with all kinds of car buyers from different financial backgrounds, including those who have filed for bankruptcy in the past. 

From Our Family to Yours – Why We Understand Financial Struggles

The team at Hawthorne Auto Square understands what it’s like to face financial setbacks. Our different approach to car buying helps those struggling financially get into a reliable used car, hassle-free.

We’re a family-owned business that believes in second chances

For 25 years and counting, our industry experience has helped countless local drivers rebuild their credit. Unlike large traditional dealerships, we finance in-house, which means we’re the bank. You don’t have to deal with judgmental lenders. 

Why our approach is different

There’s no one-size-fits-all vehicle financing. We take a more personalized approach and offer guidance to make sure you select the right type of financing based on your unique needs and background. We provide respectful service regardless of your credit history, making getting a car after Chapter 7 stress-free.

What Is Buy Here Pay Here and How Does It Work?

You may wonder, “Can I buy a car after bankruptcy?” Here’s what you need to know about buy here pay here dealerships and how the process works. 

In-house financing that doesn’t rely on banks

Buy here pay here dealerships use in-house financing that doesn’t rely on the banks’ approval. This special financing is handled directly by the dealership, and we decide how much our customers are approved for, their interest rate, and payment terms. 

Designed for people with bankruptcy, bad credit, or no credit

Your car buying options after bankruptcy may seem limited, but our dealership is specially designed for people with a past bankruptcy, bad credit, or even no credit. You’ll have more flexibility when it comes to financing your vehicle.

Easy, transparent process from start to finish

Applying for financing with Hawthorne Auto Square is easy from start to finish. Start by filling out our online pre-approval form to get an answer right away. Include the required information, and you’ll find out how much you can borrow and your interest rate. Take this information with you when you visit our dealership, and we’ll help you find the perfect used car that you can drive off the lot the same day. 

Life After Bankruptcy – Can You Really Own a Car Again?

A lot of customers are curious about financing a car after Chapter 13 or Chapter 7 bankruptcy. Fortunately, you can own a car again, and you don’t need perfect credit to do it.

• Buying a vehicle through a buy here pay here dealership helps you regain your independence, making it easier to get to work and run errands.
• Making consistent monthly car payments helps rebuild your credit and improve your credit score.
• Even if you’re in the midst of bankruptcy or have recently filed, we offer Chapter 7 and Chapter 13-friendly policies that don’t discriminate based on financial history. 

Who Can Benefit From BHPH Financing?

Can you get a car with bad credit and bankruptcy?” The answer is yes. You can benefit from buy here pay here financing if:

• You’ve recently filed for bankruptcy.
• You’re divorced and living on a single income.
• You’re self-employed or on a fixed income.
• You have limited or no credit history.

The Benefits of Buying From Us

There are lots of great benefits when you buy a used vehicle from our dealership. 

Fast approvals, even with bankruptcy on your record

Hawthorne Auto Square offers fast approvals, so you don’t have to wait around for an answer. Plus, most applicants get approved, even with a bankruptcy on record.

Affordable down payments that fit your budget

You don’t need a lot of money to buy a car from Hawthorne Auto Square. We accept small down payments that fit your budget. We’ll even give you up to five months to build your down payment (see us for complete details and qualifications).

Large inventory of reliable used cars

Visit our Los Angeles area dealership to explore our large inventory of reliable used cars. Whether you need a four-door sedan, a pickup truck for work, a minivan for the family, or an energy-efficient electric vehicle, we sell a wide range of cars in many makes and models. 

Friendly, judgment-free staff here to help you succeed

Our friendly staff understands the difficulties of financial struggles, and we’re here to help you succeed. You’ll never be judged when you visit our dealership and apply for financing, no matter what your financial history shows.

What To Expect When You Visit

Here’s how to get a car loan after bankruptcy when you visit Hawthorn Auto Square.

What to bring with you

Bring the following items with you:

• ID (driver’s license, passport, Matricula, or another form of government identification)
• Proof of income (paystub, tax return, government-issued benefits statement)
• Proof of residence (lease or a recent bill with your address)
• Bankruptcy paperwork (if applicable)

How long it takes

Many of our customers drive their vehicles away the very same day they visit. To speed up the process, complete our pre-approval form online. 

Warranty options and ongoing support

All of our vehicles undergo rigorous inspections and must pass California’s emissions tests. We also offer ongoing support with a 30-day, 1,000-mile warranty. Extended warranty options are available to help protect your investment.

Ready to Rebuild? Contact Hawthorne Auto Square Today!

If you’re ready to rebuild your credit and regain independence, Hawthorne Auto Square can help. Apply for financing with our trusted, family-owned buy here pay here dealership to get easy approval for a used vehicle in the Greater Los Angeles area. Contact us today to get started.

Frequently Asked Questions

Will bankruptcy show up when I apply for car financing?

Yes. Even buy here pay here dealerships pull your credit report, so if you’ve filed for bankruptcy, it shows up when you apply for car financing. Bring your bankruptcy paperwork with you when you visit us to speed up the process. 

Can I buy a car while still in bankruptcy?

Yes, you can buy a vehicle while you’re still in bankruptcy. When you choose to finance your vehicle at a buy here pay here dealership like Hawthorne Auto Square, you’ll get fast and easy approval to get the used car you need. 

Does a car loan help rebuild my credit after bankruptcy?

Getting a car loan may help to rebuild your credit, even after filing for bankruptcy. If you make your monthly payments on time each month, your credit score will eventually improve, which makes financing even easier in the future.