Let us help you get back on track

(949) 243-5828

Get approved for ZERO down in as little as

72 Hours

after Bankruptcy Filing

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Average interest rate as of Sept. 2020 is 12.99% for up to 72 months with NO prepayment penalty.


If you are W-2 or getting provable income over $2,400 per month gross.


Have had at least one auto paid in the past.


you can be approved at PREMIUM RATES! No discharge needed.

Application costs nothing. Education is free!

ReplaceVehicle has been recommended by Consumer bankruptcy attourneys throughout Southern California.

Mentioned in the



I've been working with clients that have filed bankruptcy for over 18 years now. In complete transparency I want to lay down exactly how the process goes; no matter where the application comes from the process is the same for EVERYBODY with Replace Vehicle.

What people are saying about Jeff Cohen, Replace Vehicle

Honest to goodness reviews from our clients.


Get approved for ZERO DOWN!

Apply 3 Days after filing

Zero Down

(In Most Cases)

Rates much lower than dealers

Rebuild Credit

(No pre-payment penalty we report to all credit bureaus)

Zero Hassle

(No sales-people, closers, managers or finance people to deal with)

No Surprises

(All numbers provided upfront)

If you owe more than your vehicle is worth, do you know your post-discharge options?

Most of us rely on our vehicles to get to work, to the store, to the doctor and to drive our children to school and play. Giving up your vehicle is really not an option. However, you are afraid that after you discharge you will only be able to get a high-interest loan to pay for your car, if you can get a loan at all. Many people confronted with this situation keep the car, reaffirm the debt and continue to pay very high interest rates in order to continue driving. Replacevehicle has a better solution.

Make Good Choices

A discharge is a new financial beginning. It is important to make good decisions about your future, and that includes future automobile loans. In order to secure the best possible auto loan, you need the help of a professional who can offer good financing and a great deal on the vehicle of your choice.

It is also important to remember that a car is really nothing more than metal and glass that loses value every year. It does not make sense to go into debt for a new vehicle when you can get by with a less expensive one. You can always trade your vehicle once it is paid off, so start small and build your credit up again before you try to purchase an expensive vehicle.

The Truth About Discharge

Do not be surprised if you are inundated with pre-approved offers for car loans. There is a reason you are the target of so much interest: car dealers know that you just received your discharge and cannot file bankruptcy again for some time. Therefore, you are actually a better risk than someone teetering on the brink of bankruptcy but who has not yet filed. Furthermore, car dealers know that you may be desperate to get into a vehicle. They realize that you may not be aware of your options and that they can extract enormous interests rates by making you believe they are “doing you a favor.”

What Is The ReplaceVehicle Difference?

At Replacevehicle, we do not gouge you after a bankruptcy. Our goal is to provide you with reliable, affordable transportation at a fair rate of interest. As of June 1st, 2018: No prepayment penalty Average Interest Rate: 12.99 percent Loan Terms: Up to 72 months Maximum Loan Amount: Up to $35,000 Visit Replacevehicle today to learn more about how we can help you into a car after bankruptcy.

Get approved for ZERO DOWN, just fax (949)315-3410 or email current paycheck stub.

Specializing in Low-Interest Auto Loans

After Bankruptcy

The process is really quite simple. After receiving your info, we get a loan commitment from one of our lenders. We then forward all of the details to you via e-mail. Interest rate, term, amount approved for. We also give you the formula to figure out what your car payment will be, based on how much you spend,and the terms of your loan.

Under normal circumstances when you make a purchase at a dealership, you are supporting everybody from the guy washing the car, up to the owner. We at Replacevehicle cut out all of the middlemen in the purchase. The only people making any money on your purchase is us and the owner of the dealership.

That is the reason we can get you pricing that you would never be able to get on your own. The dealership looks at the deal as found business, because you wouldn’t be there if it weren’t for us. This is also the reason we can make the numbers make sense to the lender, because they are taking less risk by loaning you a fair amount of money based on the true value of the vehicle in today’s market.

We only deal with new, or previously owned vehicles that are one owner and have clean car faxes. The problem with a new car is that it depreciates instantly as you drive off. Typically you can get much more car buying something that is a year or two old. Most cars have the remaining warranties in place and the history of the vehicle is checked by us.

Here are some common questions about ReplaceVehicle

Can I pay my loan off sooner if I want?

Yes, all our loans have No prepayment penalties. You only pay interest for as long as you have the loan.

What if I told my attorney I wanted to keep my car and it wasn’t included in my bankruptcy?

By law all your debts were listed in your bankruptcy petition, whether or not you decide to keep your car is another issue.

If I still have my car and I am making the payments, is it helping my credit?

No, you are basically renting your car, the lender can’t call you, or send you statements anymore because it was included in your bankruptcy. This does not report to the credit bureaus anymore.

What if I reaffirmed my loan because I was afraid I wouldn’t be able to get another?

You have 60 days after your discharge to back out of the agreement, this allows you to correct a potentially bad decision.

Why wouldn’t I want to reaffirm by autoloan, my interest rate is 0%?

The only thing that is important, is the amount of money you owe on your vehicle, compared to what it is worth in today’s market. You don’t want to carry excess debt through your bankruptcy.

My Wife and I each have an auto loan can I get 2 new cars after my bankruptcy?

Yes, actually it is better to get both loans at the same time, instead of getting one and then trying to get a second later on.

My credit score now is so low, how am I going to get a lower payment then I had before my bankruptcy?

Because you will not have to bury any negative equity in your new purchase, the enemy is not the interest rate, but the amount of money you are financing.

How soon after filing can I get a new auto loan?

In most cases, you can obtain a new auto loan 1 week after filing.

Still have questions?

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