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Recovering after bankruptcy can be difficult financially! If you are looking for loans after bankruptcy, finding one on your own can be difficult. At Max Cash® Title Loans, we make it easy to connect with loan lenders, even after bankruptcy! 5 If you are in the market for a title loan, we are the best place to start! Keep reading to learn about our team, and on finding funding after bankruptcy. 

Applying for an auto title loan doesn't have to be stressful! Title loan apply, car title loan apply

The Common Types of Bankruptcy 

Before looking into loan options post-bankruptcy, it may be helpful to learn more about the different kinds of bankruptcies and how they can impact your finances. 

Chapter 7 Bankruptcy 

Most people who file for chapter 7 bankruptcy, will not have much income and so do not have to ability to repay their debts (even partially). Instead of repayment with this type of bankruptcy–any assets that you have will be liquidated. Things like your home, personal belongings of value (cars, jewelry, etc.), and your retirement accounts that you have.

When it comes to chapter 7 bankruptcy, you will not be responsible for unsecured debt such as credit cards. Chapter 7 remains on your credit reports for up to 10 years.

Chapter 13 Bankruptcy 

This kind of bankruptcy is for those who have income and are able to make partial payments over time. 

Unlike Chapter 7 Bankruptcy, none of your assets are sold when you file. With a Chapter 13 bankruptcy, the applicant will have to abide by a court-approved repayment plan of your debts. Depending on your income and debts, your repayment period can range in length depending on your situation.

With a Chapter 13 filing, you must continue to make payments on your unsecured debts during your court-approved repayment plan. Chapter 13 remains on your credit reports for up to 7 years.

How Long Will A Bankruptcy Impact My Credit Scores?

If you already had late payments/ outstanding payments, or overall a bad credit, before a bankruptcy filing, your credit scores (from all three major credit bureaus) may not fall much more once you apply for bankruptcy protection. But typically, there will be a negative impact on your credit scores. As time goes by, however, the impact of bankruptcy on your scores will decline.

During this period you can also begin to rebuild your credit by making on-time payments to improve your payment history, refinance new debts. You may also want to work on your savings account for a fresh start. 

How Will Past Bankruptcy Impact My Ability to Get Loans? 

Having a past bankruptcy on your credit report can make eligibility difficult for some conventional loan types. In general, personal loans, credit cards, car loans, mortgage loans/home loans, and other unsecured lending may not be an option without good credit. However, depending on the lender of the unsecured loan type you may be eligible with either some kind of down payment, ask for a co-signer, or a higher interest rate. 

However, there are secured loans out there that you may be able to qualify for those regardless of your fico score or financial situation: 

  • Car Title Loans — car title loans are secured with the borrower’s qualifying vehicle. Eligibility and loan amount will be based on your ability to repay the loan, and the value of your car, not your credit score or credit history. Keep in mind that most lenders will conduct a credit check to check whether you are in active bankruptcy. The loan amount can range from a few hundred up to a few thousand dollars. 
  • Payday Loans — payday loans are generally short-term loans, that are meant for smaller expenses (they usually are only up to a few hundred dollars). Although these loans can be fast and easy to qualify for, their short-term repayment and fees attached can make them tricky to get back. 
  • Secured Personal Loans— in some cases, securing a loan with an asset such as jewelry/antiques, etc. can also be an option for post-bankruptcy.
  • Secured Credit Cards— there are credit cards that are essentially credit builder loans, with down payment and on-time monthly payments, you may be given a small credit limit. 

With loans after bankruptcy, you can establish new credit history, which could really help moving forward. 

After getting a title loan you'll have plenty of cash in hand

Why Work with Max Cash Title Loans After Bankruptcy?

At Max Cash Title Loans, we are the #1 nationwide online title loan marketplace. We make it easy to fill out a loan application and connect with title loan lenders all across the nation. Here are some benefits of working with our team and the lenders that we work with: 

  • Low monthly payments4 
  • Competitive interest rates4
  • No hidden fees3
  • Flexible repayment4
  • A Fast Process
  • Exceptional customer service 

What will the Application Process Look Like with Max Cash Title Loans After Bankruptcy? 

The application process with our team is simple, and involves a few simple steps: 

1) Apply online or through the phone

2) Find out eligibility with a lender 

3) Find out approval 

4) Once approved, get the funds1 2

If you are ready to begin the title loan process. simply head to our website and apply or give us a call right away! No matter what your credit score looks like, or you have gone through bankruptcy we may be able to help connect you with a loan.5