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Discover what working with Day One Can do for You

Day One Credit helps people who have an open Chapter 7, Chapter 13 or recently discharged bankruptcy take the wheel to rebuild their credit and get the car they need. Here are some incredible benefits of choosing Day One:

No money down

We can offer most customers no-money-down loans with payments that will fit your budget. When we send your application out to our network of lenders, they are actually competing with each other to get your business. When that happens, can you guess who wins? YOU!

Restore Your Credit

You can start restoring your credit even before your bankruptcy process is finalized. There is no reason to wait. Too many people seem to think they have to wait until the bankruptcy is done, over and discharged. Not true! If you need to get a car the same day you file for bankruptcy, Day One is here to help make it happen.

Get Out of a Bad Loan

If you’re “underwater” on your current loan because you owe more than the car is worth, talk to your bankruptcy attorney about options for surrendering the vehicle back to the lender.

Trusted Reputation

Over the years we’ve proven ourselves to both our customers and some of the bankruptcy attorneys in the area. We get great results for our customers.

Attorneys we recommend

Improve Your Ride

Our goal at Day One is to find you a bankruptcy car loan so you can buy the vehicle that’s right for you. That means buying used because a quality used car is still much cheaper than buying a brand-new car. But we mean a particular kind of used car – a newer model with lower miles in good enough condition that it will cost you less in the long run.

Unbeatable Experience

We’ve been working exclusively with bankruptcy customers for years. We know how this works and how to make it work for you. We are very familiar with all the common questions, and we have the answers!

Reviews & testimonials

Great Cars

Day One has access to a wide selection of high-quality, competitively-priced late-model used cars. Good used cars save you a lot of money because they’re cheaper and depreciate less than new cars.

Great Rates!

You can enjoy better finance rates than most people with bad credit – that’s the beauty of the fresh start that filing for bankruptcy offers you. With bankruptcy, your worst debts are either wiped clean or reworked into a payment plan you can afford, which means your financial situation is better than people with bad credit who haven’t filed for bankruptcy.

Top Lenders

Our extensive network of lenders means we have access to finance programs for all types of bad credit, including lenders who specifically work with bankruptcy customers. We’ve spent years developing this network and they’re all competing for your business. You won’t find this at most dealers!

No money down

We can offer most customers no-money-down loans with payments that will fit your budget. When we send your application out to our network of lenders, they are actually competing with each other to get your business. When that happens, can you guess who wins? YOU!

Restore Your Credit

You can start restoring your credit even before your bankruptcy process is finalized. There is no reason to wait. Too many people seem to think they have to wait until the bankruptcy is done, over and discharged. Not true! If you need to get a car the same day you file for bankruptcy, Day One is here to help make it happen.

Get Out of a Bad Loan

If you’re “underwater” on your current loan because you owe more than the car is worth, talk to your bankruptcy attorney about options for surrendering the vehicle back to the lender.

Great Rates!

You can enjoy better finance rates than most people with bad credit – that’s the beauty of the fresh start that filing for bankruptcy offers you. With bankruptcy, your worst debts are either wiped clean or reworked into a payment plan you can afford, which means your financial situation is better than people with bad credit who haven’t filed for bankruptcy.

Improve Your Ride

Our goal at Day One is to find you a bankruptcy car loan so you can buy the vehicle that’s right for you. That means buying used because a quality used car is still much cheaper than buying a brand-new car. But we mean a particular kind of used car – a newer model with lower miles in good enough condition that it will cost you less in the long run.

Unbeatable Experience

We’ve been working exclusively with bankruptcy customers for years. We know how this works and how to make it work for you. We are very familiar with all the common questions, and we have the answers!

Reviews & testimonials

Great Cars

Day One has access to a wide selection of high-quality, competitively-priced late-model used cars. Good used cars save you a lot of money because they’re cheaper and depreciate less than new cars.

Trusted Reputation

Over the years we’ve proven ourselves to both our customers and some of the bankruptcy attorneys in the area. We get great results for our customers.

Attorneys we recommend

Top Lenders

Our extensive network of lenders means we have access to finance programs for all types of bad credit, including lenders who specifically work with bankruptcy customers. We’ve spent years developing this network and they’re all competing for your business. You won’t find this at most dealers!

Benefits of Working with Day One

You’ll get the most benefits when you choose Day One to find the bankruptcy car loan that best meets your needs.

No Money Down

LEARN MORE

No Money Down

We can offer most customers no-money-down loans with payments that will fit your budget.

CLICK TO LEARN MORE

No Money Down

We can offer most customers no-money-down loans with payments that will fit your budget.

Unbeatable Experience

LEARN MORE

Unbeatable Experience

We’ve been working exclusively with bankruptcy customers for years. We know how this works and how to make it work for you.

CLICK TO LEARN MORE

Unbeatable Experience

We’ve been working exclusively with bankruptcy customers for years. We know how this works and how to make it work for you.

Top Lenders, Better Rates

LEARN MORE

Top Lenders, Better Rates

We’ve spent years developing relationships with lenders who work specifically with bankruptcy customers.

CLICK TO LEARN MORE

Top Lenders, Better Rates

We’ve spent years developing relationships with lenders who work specifically with bankruptcy customers.

Great Cars

LEARN MORE

Great Cars

A great selection of top-notch late model vehicles from sedans to SUVs to pickup trucks and anything in between!

CLICK TO LEARN MORE

Great Cars

A great selection of top-notch late model vehicles from sedans to SUVs to pickup trucks and anything in between!

If you’re ready to get all those Day One benefits, apply now!

Our application process is incredibly easy and typically gives you a decision in just a matter of minutes. You fill out the secure form, we quickly review it (and contact you if we have questions), then we send it out to our network of banks and lenders. They send us their offers and we select the best one to present to you. Ready for your fresh start? Fill out the form.

Here’s What Our Customers Say

New bankruptcy and starting over, and I got a really great deal. Great service. Easy to work with. Would recommend this place to anyone with a bankruptcy or bad credit.
Thank you! Stan and Mike where Awesome! Will tell everyone! When you think there’s no one that could help me, but to my surprise, they got me into a new car! This team of people that helped me will forever be part of my family.
Ramil was excellent, very accommodating and did everything he could to get me into a car that I wanted. I recently filed for bankruptcy and he was able to work with that and my budget and I am very happy with my vehicle.
Read more

Got questions? We’ve got answers!

Read the top questions customers ask us!

Do you offer a no-money-down option?
It’s always best if you can make some kind of down payment, but we understand not everyone can do that. We can offer little-to-no money down options to most of our customers.
Why should I buy a used car?
The goal is to buy a used vehicle because you get more bang for your buck if it’s a newer car with fewer miles. They’re way cheaper than buying brand-new and will cost you less in the long run.
How soon can I get a new loan?
At Day One Credit, filling out our auto loan application takes less than five minutes. And then you’ll have our answer in just minutes!
Do I have to wait until my BK is discharged?
Many bankruptcy filers think they have to wait some magical period of time before they try to find a car loan or wait until the BK is fully discharged. Not true! As soon as you file your bankruptcy you can apply.
What is a Fresh Start Program?
Bankruptcy laws were designed to help people get out from under crushing debt loads and make a fresh start. A Fresh Start Program means a loan program designed specifically to help consumers get the credit they need even though they have filed for bankruptcy. At Day One, that means getting a car loan in spite of a bankruptcy with our specialized network of lenders.
Can I get out my current underwater car loan?
Bankruptcy might include helping you get out of an “underwater” car loan, but you need to check with your bankruptcy attorney to find out your options. And if you need to finance a used car purchase during or after bankruptcy, Day One will help you find a bankruptcy car loan to meet your needs.
What would be my payment?
Your monthly payment depends on factors such as the price of the vehicle, your down payment (if any), length of the loan, and the interest rate.
What would be my APR?
Your interest rate and APR vary greatly because they depend on many factors, including your credit, the vehicle’s age and condition, the length of the loan, and more. To figure out your rate, fill out our quick financing application and we will get back to you in minutes!
Can I get a better rate if my BK is discharged?
Maybe, but it depends. If you took specific actions while your BK was open (3-4 months on average for a Chapter 7 or 3-5 years for a Chapter 13) to improve your credit or save up money for a down payment, you might get a slightly better rate. But many people simply can’t wait to get the car they need, and waiting may not make much of a difference at all.
What kind of car and how big a loan can I get?
There are no restrictions on the type of car you buy, except that you have to be able to afford it! Affordability depends on your payment-to-income and debt-to-income ratios, which are what lenders look at when evaluating your application.
Can I refinance my loan through Day One?
We don’t do straight refinancing deals. Our lending programs are designed for purchasing a car, not refinancing an existing loan.
What is going to happen with my old car?
If you owe more on your current car than it’s worth, talk to your bankruptcy attorney about your options for surrendering the vehicle back to the lender and how that works.
If I signed a reaffirmation agreement can I still get a new loan?
Yes, you can! When you signed a reaffirmation agreement, all it meant was that you were committing yourself to continued payments on your vehicle’s loan. But you still have the freedom to sell that vehicle and get another if you can qualify for the new loan. That may be difficult if you owe more on your vehicle than it’s worth (being “underwater” or “upside-down” on the loan), but we’ve successfully helped many customers with this exact situation.
Can you refer me to a good bankruptcy attorney?
Yes! You can find experienced bankruptcy attorneys on our attorneys page.
FAQ