I filed bankruptcy before, do I qualify for financing?

Good question, the key is if you have reestablished some credit. If you want to make certain, let me suggest that you complete one of our on-line credit applications on www.herbchambers.com . You will find it under “Financing” then choose “Apply For Financing”. It will be kept confidential and be directed to a financing Client Care Specialist for a pre approval.

The good news is The Herb Chambers Companies have 44 dealerships and works with numerous banks. Many banks are willing to overlook some past credit issues. As I mentioned, your options are based on how you are doing at rebuilding / reestablishing your credit as well as your job history, income and the amount of your down payment.

I also suggest you do as much of the following as you can; Do save as much cash as possible to put down on your next car. See if you can maybe get a cosigner, with good credit. Avoid @ all costs a buy here…pay here used car lot. The unknown quality, high interest and premium you will pay will only further hinder your efforts. Continue to make timely payments. Remember your credit history with others since your bankruptcy will dramatically help what you are trying to accomplish.

Furthermore, as you go about your shopping I want you to know that we have established in all of our dealerships a Client Care Specialist (CCS). The CCS’s job is to provide Internet shoppers like yourself with a painless and professional shopping experience as you shop for a car at Herb Chambers.

I hope this helps & good luck!