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Refinancing Your Auto Loan After Bankruptcy - 5 Auto Refinance Tips Declaring bankruptcy was probably never something you had ever thought you would have to go through when you first become an adult. And yet, here you are. While it can feel like the end of your financial life, it doesn't have to be. You just need to learn how to live under a new set of financial rules that do not apply to people who have never filed for bankruptcy themselves. Some of the common difficulties that come with personal bankruptcy include the inability to qualify for new credit cards and difficulties getting approved for new loans. Being in this situation is a real shame, since someone who has gone through bankruptcy needs now more than ever to cut down on their monthly expenses. They no longer have a cushion of credit to rely on for getting through hard times. One type of loan that is harder to get when you are post-bankruptcy is an auto refinancing loan. If you can find a way to get approved, this type of loan can potentially help you cut down on your monthly expenses by helping you to secure a lower interest rate than you have now. You can have a financial life after bankruptcy: auto refinance included. If you have a bankruptcy under your belt but believe that auto refinancing well help you cut down on your monthly expenses, here are 5 auto refinance tips to help you qualify for the new loan you need: 1. Do some financial housekeeping: Start your housekeeping by taking stock of the following essential bits of information: * your current credit score * your credit history in relationship to making car payments * the current outstanding balance on your car loan 2. Find out your car's current resale value: Do a bit of research to determine how much your car is worth today. Kelley Blue Book is a great place to start. Next, compare the value of your car to the amount you owe on your current auto loan. You will have a much better chance of qualifying for an auto refinancing loan if your car's value still exceeds that of your outstanding principal loan balance. 3. Look up your current interest rate: Now, find out your current loan interest rate by either calling your current lender or by checking your original loan agreement. This will be the number to beat as you start applying for car refinancing loans. 4. Build a list of at least 4-5 bad credit auto refinancing lenders: Use online research or talk to friends and family to come up with a list of 4-5 bad credit auto refinancing lenders. The more lenders on your list, the better your chances will be of getting approved at a low refinance rate. 5. Go through the steps of applying to all of them: As you apply to each of the lenders on your list, be ready to explain the circumstances of your bankruptcy. Remember, these lenders are already conditioned to working with people in your situation. Still, every borrower's credit history is unique. Also, be ready to explain your credit history as it relates to making car payments in the past. Follow these 5 tips after bankruptcy and auto refinance loans will be much easier for you to get.
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