Fresh Start Vehicle Loan Program
- Financing for up to $40,000
- Little to no money down
- Available to people with open or recently discharged bankruptcies
- Eliminate negative equity and re-establish your credit
- No minimum credit score required
- Multiple Bankruptcies OK
Finance a Used Car Today
We know that some of our car shoppers, especially those who have recently filed for Chapter 7 or Chapter 13 bankruptcy, have been turned down by multiple dealerships and several lenders. You might think Easterns Automotive is too good to be true, but we know how financing works and we have the ability to offer it.
Reaffirmation or Redemption Won’t Help You Re-Establish Your Credit
By completing your new loan prior to discharge instead of reaffirming your existing auto loan, bankruptcy laws allow you to walk away from your existing loan and replace it with a newer one.
Get into a newer car with a lower payment that will better fit your current lifestyle. Plus, having a vehicle with a factory or extended warranty may help you with unforeseen expenses.
Helping Drivers With Less-Than-Perfect Credit for More Than 30 Years
Easterns Automotive Group (AKA Eastern Motors) proudly serves the car, truck and SUV buying and financing needs of drivers throughout Virginia and Maryland. If you live in this region, we are the top choice for finding a great loan and vehicle with less-than-perfect credit. We know that financial hardships that lead to bankruptcy happen to good people, which is why we look at more than just your credit score. We opened in 1988 with the slogan “Where Your Job is Your Credit®”, and our goal was and still is simple, find each person their next vehicle with the best financing possible.
Get a Car Loan Even After Chapter 7 or Chapter 13 Bankruptcy
Are you a DMV-area resident struggling to buy a car after filing bankruptcy because you can’t quality for an auto loan? At Eastern Automotive Group, we’re committed to helping Washington DC and Baltimore residents get the vehicles they need even after bankruptcy.
Frequently Asked Questions
What Does “Your Job Is Your Credit” Mean?
In the video above, Joel Bassam, the Director of Marketing at Easterns Automotive Group, dives into the slogan that comprises our toe-tapping jingle: “Where Your Job Is Your Credit.” This has been our slogan since we first began selling high-quality cars to the Washington, D.C. area in 1988. It means:
- Our staff members are trained to work with people who have less-than-perfect credit
- We give people a chance rather than make assumptions based on some number assigned by a credit agency
- We’ll go the extra mile to find you a financing solution and a quality, reliable vehicle
- “Bad credit” shouldn’t stop good people from getting the vehicle they need to get to work, run errands or get to school
While your credit score or a bankruptcy on your record will influence financing options, at Easterns Automotive we know that your job history can also positively affect interest rates. We work with you to get you in the perfect car for your family, not the other way around. Thanks to our well-developed lending relationships and our staff’s expertise, we can stand by our slogan every day.
Always remember—at Eastern Motors, your job is your credit!
Will Getting a Car Loan Hurt or Help My Credit Score After Bankruptcy?
There are two ways financing a car can affect your credit score:
- Credit checks performed for loans are counted as “hard inquiries” – too many of these types of credit checks may ding your credit score, but the damage usually isn’t severe
- If you make all your necessary payments on time your bad credit will improve – that’s fundamentally how credit works
The benefit of making on-time car payments will exponentially outweigh any damage done by a hard inquiry for an auto loan. Financing a new or used vehicle can be part of your credit repair and bankruptcy recovery plan – as long as you’re able to make your payments on time.
What Should I Do if No Washington DC or Baltimore Auto Dealerships or Lenders Are Willing to Give Me a Chance After a Chapter 7 Bankruptcy or a Chapter 13 Bankruptcy?
Working with many lenders allows us to give our car shopping customers options on rates and terms. You may find you qualify for more auto loans than you realize, so it’s important you know which ones will provide the most advantageous terms for your situation.
Before you give up hope on your car buying journey, visit the dealership where your job is your credit. We have car dealerships in the Washington D.C. and Baltimore areas as well as locations in Frederick, Maryland and Sterling, Virginia.
Call Easterns Automotive Group at (877) 863-6107 for more information.
Contact Easterns Today to Learn More
We invite you to call, chat online or visit one of our 8 locations today and experience firsthand what we mean by the Easterns difference!
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