Even with the discharge, your score might still be in the "subprime" range (500s to low 600s). I found that traditional big-box banks were still a bit cold, but credit unions and specialized "fresh start" programs were much more welcoming.
Getting a car after a Chapter 13 discharge feels like a fresh start, but the process is definitely a "proceed with caution" situation. Here’s a draft of a review based on that experience: buying a car after chapter 13 discharge
Some dealerships were hesitant until they saw the actual discharge paperwork. Keep a digital and physical copy of your Discharge Order and your Schedules handy. It proves the debt is gone. Even with the discharge, your score might still
It’s 100% possible to get a reliable, modern car right after Chapter 13. Just do your homework, shop around for financing before hitting the lot, and don’t let the "finance guy" rush you into a bad deal just because you’re relieved to be done with court. Here’s a draft of a review based on
