8 Car Dealerships That Accept Bankruptcy
So, you’ve gone through bankruptcy and now you need a car. It might feel like that combo means you’re out of luck, but that’s actually not the case.
There are plenty of car dealerships that are ready to work with people in your shoes.
It’s all about knowing where to look and what to expect.
In this post, we’ll go over the types of car dealerships that accept bankruptcy and show you a few good dealerships in both California and Michigan.
What Type Of Car Dealerships Accept Bankruptcy?
Not every dealership will roll out the red carpet if you have a bankruptcy on your record, but there are some that will help:
Special Finance Dealers With Subprime Lenders
Special finance dealers work with subprime lenders who focus on helping people with bad credit, no credit, or recent bankruptcies
Instead of just looking at your score, they consider your income, job history, and current stability.
The dealership sends your application to multiple lenders to find one that fits your situation. You’ll likely need to show proof of steady income and have a small down payment ready.
The loan terms may not be ideal (higher rates are common), but it’s a legit way to get approved and start improving your credit with on-time payments.
Also Read: Can You Use Debt Consolidation For Car Loans?
It’s a middle-ground option that can get you moving again.
Buy Here Pay Here (BHPH) Dealerships
BHPH dealers handle everything in-house: they sell you the car and finance it themselves.
That means no outside banks, no waiting on approvals, and usually no credit check. You just need proof of income, a valid license, and a down payment.
You’ll usually pay weekly or every two weeks, right to the dealership.
That said, just be sure to read the fine print because the interest rates can get steep, and cars might be older or have higher mileage.
If you’re fresh out of bankruptcy, this is one of the fastest ways to get a car.
8 Car Dealerships That Accept Bankruptcy In CA & MI
If you’re in California or Michigan, here are eight dealerships that accept bankruptcy. These places either work with subprime lenders or offer in-house financing:
#1 Roseville Toyota (Roseville, CA)
Roseville Toyota is a great place to start if you’re looking to get a car after bankruptcy.
Their finance team is used to working with all kinds of credit situations, and they’ve got access to lenders who actually want to help. You don’t have to worry about being treated like a number or being turned away right at the door.
They’ll sit down with you, figure out where you stand, and help you map out a financing plan and find a reliable car you can afford without the stress.
Also Read: Is A Repossession Worse Than Bankruptcy?
#2 Car Depot (Detroit, MI)
Car Depot is one of those no-nonsense places that makes car buying feel a lot less intimidating.
They’ve made the whole process pretty smooth with no crazy hoops to jump through. They’ve got flexible terms, affordable down payments, and plenty of vehicles to choose from.
They also understand that life happens, and they’re not here to lecture you.
#3 Larry H. Miller Toyota (Corona, CA)
Larry H. Miller Toyota offers financing programs for both Chapter 7 and Chapter 13 bankruptcies.
They’ll help you figure out what you qualify for, explain all the loan terms without all the confusing jargon, and they’ll be honest about your options.
Their team is all about second chances, and they’re pretty great at finding cars that are both practical and stylish.
#4 James Martin Chevrolet (Detroit, MI)
James Martin Chevrolet has a whole department dedicated to helping people who’ve been through bankruptcy.
That alone should tell you they take this seriously!
Their Bankruptcy Loan Division works with a network of lenders who are cool with bad credit or recent bankruptcies. And the best part? They don’t require a hard pull on your credit right away, so you can explore options without hurting your score even more.
They’ll help you get into a dependable vehicle without all the red tape.
#5 Kastner Honda (Napa, CA)
Kastner Honda is all about making things work for you. They’ve got strong relationships with lenders who are familiar with bankruptcy situations and who won’t hold it against you.
The team there is super helpful and laid-back. They’ll guide you through every step, from getting pre-approved to driving off the lot.
They also have a reputation for being upfront with no hidden fees or shady contracts.
Also Read: How to File Bankruptcy and Keep Your Car
#6 Summit Place Kia (Clinton Township, MI)
If you’ve filed for bankruptcy recently or even a while ago, Summit Place Kia has options.
Their finance team is super experienced in working with tough credit situations, and they won’t make you feel awkward or judged. They’ve also got a decent-sized inventory, so you’re not stuck picking the one lonely sedan on the back lot.
You can actually test drive a few and choose something you like.
#7 Lasco Ford (Linden, MI)
Lasco Ford makes this list because of their “guaranteed credit approval,” offer, and that includes people who’ve had bankruptcies, foreclosures, repos – you name it.
Their whole experience is positive and no-pressure. They’ll help you get approved, and they won’t try to push you into something outside your budget.
Plus, they’ve got a wide selection, so you can actually find a car you’ll enjoy driving, not just “settle” for.
#8 Rock Honda (Fontana, CA)
Rock Honda is big on giving people a fresh start. Their “Second Chance Financing” is built specifically for people who’ve gone through bankruptcy or other major credit hits.
They’re not just trying to sell you any car, they actually want to help you make a smart choice. Their team will walk you through the financing process in a way that doesn’t feel overwhelming.
They’ll also make sure the payment plan is doable, so you’re not stressing every month trying to keep up.
Bottom Line
Bankruptcy can feel like a huge roadblock, but it doesn’t mean you’re stuck without a car. There are dealerships out there that truly want to help you move forward.
Take your time. Ask questions. Don’t let anyone rush you.
And most importantly, don’t feel embarrassed.
Life gets messy, and these dealerships get that. They’re ready to work with you, help you rebuild, and get you back behind the wheel with confidence.