Potential car buyers may experience a lot of denied applications during or right after a bankruptcy. As both Chapter 7 and Chapter 13 bankruptcies stay on a credit report for up to seven years, many car dealerships are unwilling to give high-risk clients a chance. At 5 Star Auto Plaza, we want to go beyond simply approving someone with a bankruptcy on their record. We want to offer a no down payment auto loan after bankruptcy in St. Charles. We consider ourselves experts in life events such as bankruptcy, foreclosure, and even car repossession, and we want to build our clients for life.

We accept clients with both discharged and undischarged Chapter 7 and Chapter 13 bankruptcies, although undischarged Chapter 13 bankruptcies may require prior trustee approval. Our credit application is simple and easy to fill out, with results in less than five minutes. We are so experienced with the ins and outs of bankruptcy that local attorneys send us their clients for approval!

A good way to ensure that there is no down payment on a loan is to have a trade-in. Here at 5 Star Auto Plaza, we offer top dollar for every trade-in that visits our showroom. When the budget is tight, bringing any trade in to the dealership can also significantly lower monthly payments as well.

We invite all potential clients to visit our West Clay Street location, or to give an experienced and friendly salesperson a call at (636)940-7600. Here at 5 Star Auto Plaza, we want a no down payment auto loan after bankruptcy in St. Charles to be a reality for our clients, and not a distant possibility.