Apply online
Complete our secure 5-minute application. Free to apply with no obligation.
Post-bankruptcy auto financing
Your bankruptcy
Your bankruptcy
isn't the end.
It's your fresh start
Get approved for a vehicle loan during or after bankruptcy. Approval in as little as 15 minutes. No pressure, no judgment, just a real path forward.
Free to apply with no obligation.
Approval in as little as 15 minutes
Chapter 7 and Chapter 13 filers
Affiliates across the United States
Open 7 days a week
The process
Three steps to your next vehicle
No hidden fees. No surprises. A clear path from application to keys in your hand.
Get matched
One of our specialists calls to verify your information and matches you with an affiliate who works with bankruptcy filers.
Drive away
Pick your vehicle, sign the paperwork at our partner affiliate location, and start rebuilding your credit on day one.
Why Fresh Start Now
What sets us apart
Approval during open bankruptcy
Don't wait for discharge. We work with Chapter 7 and 13 filers, often before the case is even closed.
No obligation to apply
Submit your application free of charge. We'll review your situation and follow up. You decide what happens next.
No high-pressure sales
Take your time. Our affiliate partners won't rush you into a vehicle that doesn't fit your budget.
Trustee-friendly process
We handle the trustee paperwork so your bankruptcy case stays clean and on track.
Affiliates across the United States
Our network includes lenders and affiliates experienced with post-BK financing nationwide.
Reporting that rebuilds credit
Many of our partner lenders report to all three bureaus, helping you rebuild faster.
A message from our President
“A bankruptcy filing is not a verdict on who you are. It's a legal tool, and for most families it's the first honest step back to solid ground. We built Fresh Start Now to meet you at that step. No obligation, no judgment. Just real answers from people who've helped thousands of filers move forward.”
President, Fresh Start Now
Your trusted partner in re-establishing your credit.
The network
Reporting that rebuilds credit
Our network includes lenders and affiliates experienced with post-BK financing nationwide. Many of our partner lenders report to all three bureaus, so the loan you take today becomes the payment history that rebuilds your score tomorrow.
Learn more
Know your options
Plain answers to the questions every filer asks before financing a vehicle.
Credit repair
How a reported auto loan becomes the fastest engine for rebuilding your score after bankruptcy.
Read moreReaffirmation
Keep your current vehicle or replace it? What reaffirmation means for your case and your budget.
Read moreLocal affiliates
Who you'll actually sit down with: affiliate dealers and lenders who work with bankruptcy filers every day.
Read more
No obligation
Ready to start over
Apply online in about five minutes, or call and talk it through with a specialist. Open 7 days a week.