Bankruptcy Experts
Welcome To Special Direct Sales
At Special Direct Sales, we specialize in helping people obtain financing for quality transportation. Don't let the lack of a down payment, less than perfect credit or even a recent bankruptcy filing keep you from owning the quality new or late-model vehicle of your choice. At Special Direct Sales in Roseville, we have financing available for all types of credit situations, with payments that are designed to fit your budget. Come meet our auto finance experts in person at our dealership in Roseville, or call us directly to discuss your vehicle needs.
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"These people give the kind of service you only get at five star hotels. I can't believe how well we were treated here!"
- Gil H., Google Review
GET THE HELP YOU DESERVE WITH OUR
BANKRUPTCY EXPERTS
At Special Direct Sales, we understand that bad things can happen to good people. Contact us to review your needs and preferences, and we'll work hard to connect the loose ends for you. With a long history of helping people in our local community, we're anxious to help you, too!
Auto Financing After A Bankruptcy
One of the best ways to recover from bad credit after filing bankruptcy is to get a car loan and make the payments on time. A paid-as-agreed auto loan after bankruptcy will raise your low credit score and get you back into the credit world. If you are currently in the middle of a bankruptcy or recently discharged, it doesn't mean you can't get auto financing. If you meet the minimum requirements, don't wait any longer. Waiting will not help you rebuild your credit. Many dealers out there say they can help someone with bankruptcy, however, do not have the inventory or the lenders that will give you the best financing terms available. This could land you with huge interest rates, big monthly payments and especially a car you might not like. Don't get stuck with a bad auto loan. Let the professionals at Roseville Toyota help you get the best financing possible. We work with over 25 specialized after bankruptcy lenders across the U.S., that are eager to earn your business and help you get back into the credit world.
Financing Requirements
To qualify for a bankruptcy financing program, applicants should meet the following basic approval requirements.
- Be currently employed. (Retirement, SSA-SSI, child support and self employed is ok with verification of income).
- Minimum gross monthly income of $1,500.
- Money down may be required.
- No repo in the last year unless part of a bankruptcy.
Type Of Bankruptcies
There are two types of personal bankruptcies: Chapter 7 and Chapter 13. A few years ago it was more common for people with bad credit to file a chapter 7 (total liquidation). With a chapter 7, all your debts are wiped clean and the process takes only a few months.
Since the new bankruptcy laws went into effect, fewer and fewer and fewer people are allowed to file chapter 7. More and more people are now filing chapter 13., which is a repayment plan that lasts between three and five years.
Get Approval from your Trustee For Open 13's
To get an auto loan in an open chapter 13 bankruptcy, you will have to do some work. There is no such thing as an instant approval or apply today Drive Today Auto Lending if you are in an open chapter 13. First you should check with your trustee or attorney and let them know that you want to buy and finance a car.
Every lender that approves people in open bankruptcies requires an Authorization to Incur Debt. This is a legal document obtained from the bankruptcy trustee. It states what your maximum allowable payment is and that the new loan will not be part of the open bankruptcy.
As long as the new car you plan on purchasing is within your budget, most trustees have no problem approving your request. We recommend that you obtain this document from the courts prior to shopping for your new car.
Apply Online
Our Program
Financing a car after or during a bankruptcy may seem hard because there are so many dealerships that will not work with someone that has a bankruptcy or even challenged credit. When someone with a lingering bankruptcy starts looking for car dealers that can help them out of their situation, they need to do some preparing for what is to come. Finding just any dealer is not what you want to do; you need to locate car dealerships that accept bankruptcies with the lenders to match and that has the inventory to meet your automotive needs. Look no futher, we are that dealer, and we have helped over a thousand plus satisfied customers find the cars of their dreams with the payments they can afford. When you are on the road to rebuilding and re-establishing your credit, don't get discouraged, just take your time and call us with any questions you may have. No pressure applied, we promise.
Welcome to Roseville Toyota. Here you can get pre-approved online not matter what your credit situation. We believe in three simple steps to our program:
- Apply online.
- Make an appointment with one of our Custom Finance Specialist and provide the documents needed for the bank.
- Search our extensive pre-owned inventory of cars, trucks and SUV's of most makes and models.
Start driving the car of your dreams. At Special Direct Sales, you will have access to the best banks for your particular situation and you will leave with a payment that you can afford. That simple. Call us NOW and start driving today!
Apply Online
Bankruptcy Auto Financing F.A.Q.
Read our answers to some of the questions we are most commonly asked about getting a car loan while in a bankruptcy.
Can I get an auto loan while in an open chapter 13 bankruptcy?
Yes, however, it might require more work on your part and permission from the trustee.
Can I get auto financing during a chapter 7 bankruptcy?
Yes, you can get auto financing the day after you file, however, you must meet the lender guidelines.
How long do I have to wait after the bankruptcy is discharged before I can apply for auto financing?
No wait is needed. This is the best time to start re-establishing your credit.
Can a person who has had multiple bankruptcies still get a car loan?
Yes. Most people can qualify for auto financing as soon as their most recent bankruptcy is discharged.
How much money down will I need?
When buying a car after bankruptcy, it is recommended that you have some money down. There are no- money-down auto loan programs, but usually $500 to $1000 will help you get more favorable terms.
Will I qualify for auto financing if I still have the financed vehicle in my possession or in the process of having the bank pick it up?
Yes. Most bankruptcy auto loan lenders will approve your new loan as long as the deficiency balance was included in the BK and you have surrendered the vehicle. You can surrender the vehicle at the same time you are purchasing your new one.
Apply Online
Not all the applicants will qualify. We are not lawyers or a law firm and we do not provide legal, business or tax advice. This advertisement is not a substitute for professional consultation and advice, generally or in a particular case. Anyone viewing information contained in this advertisement should not act upon it without seeking professional counsel from an attorney authorized to practice in his or her jurisdiction.
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All prices plus government fees and taxes, any finance charges, $85 dealer document processing charge, $30 electronic filing charge, and any emissions testing charge. Notice, all of our vehicles have an anti-theft system installed. The advertised price excludes the purchase of this anti-theft system, which can be purchased for an additional cost or removed from the vehicle at the time of sale.
Awards:
* 2008 KBB.com Best Resale Value Awards
Reviews:
* If you were a long-time fan of Toyotaâ??s discontinued Celica, youâ??ll like what Scion has done with the tC. Its robust power, long list of standard equipment and low base price are exactly what young consumers are looking for in a fuel-efficient sports coupe. Source: KBB.com
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- Alloy Wheels
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All prices plus government fees and taxes, any finance charges, $85 dealer document processing charge, $30 electronic filing charge, and any emissions testing charge. Notice, all of our vehicles have an anti-theft system installed. The advertised price excludes the purchase of this anti-theft system, which can be purchased for an additional cost or removed from the vehicle at the time of sale. 20/29 City/Highway MPG
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- Sunroof/Moonroof
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Dealer Comments
All prices plus government fees and taxes, any finance charges, $85 dealer document processing charge, $30 electronic filing charge, and any emissions testing charge. Notice, all of our vehicles have an anti-theft system installed. The advertised price excludes the purchase of this anti-theft system, which can be purchased for an additional cost or removed from the vehicle at the time of sale. 19/28 City/Highway MPG
Awards:
* 2008 KBB.com Brand Image Awards
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- Bluetooth®
- Heated Seats
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- Navigation System
- Rear View Camera
- Rain Sensing Wipers
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Dealer Comments
All prices plus government fees and taxes, any finance charges, $85 dealer document processing charge, $30 electronic filing charge, and any emissions testing charge. Notice, all of our vehicles have an anti-theft system installed. The advertised price excludes the purchase of this anti-theft system, which can be purchased for an additional cost or removed from the vehicle at the time of sale.
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* If youâ??re looking for the premium features of a flagship luxury sedan with all-weather traction and generous interior space, you should consider the RX 350. It offers many characteristics of larger sport utility vehicles, without sacrificing comfort or convenience. Source: KBB.com
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All prices plus government fees and taxes, any finance charges, $85 dealer document processing charge, $30 electronic filing charge, and any emissions testing charge. Notice, all of our vehicles have an anti-theft system installed. The advertised price excludes the purchase of this anti-theft system, which can be purchased for an additional cost or removed from the vehicle at the time of sale. 24/34 City/Highway MPG
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- Bluetooth®
- Keyless Entry
- Keyless Ignition System
- Automatic High Beams
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Dealer Comments
All prices plus government fees and taxes, any finance charges, $85 dealer document processing charge, $30 electronic filing charge, and any emissions testing charge. Notice, all of our vehicles have an anti-theft system installed. The advertised price excludes the purchase of this anti-theft system, which can be purchased for an additional cost or removed from the vehicle at the time of sale. Odometer is 13316 miles below market average! 66/66 City/Highway MPG
Awards:
* 2017 KBB.com 10 Most Awarded Brands * 2017 KBB.com Best Resale Value Awards
Reviews:
* Long driving range bests all other EVs; comfortable and quiet to drive; limited production guarantees exclusivity Source: Edmunds
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- Aux Input
- Emergency Brake Assist
- Cruise Control
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Dealer Comments
All prices plus government fees and taxes, any finance charges, $85 dealer document processing charge, $30 electronic filing charge, and any emissions testing charge. Notice, all of our vehicles have an anti-theft system installed. The advertised price excludes the purchase of this anti-theft system, which can be purchased for an additional cost or removed from the vehicle at the time of sale. 20/27 City/Highway MPG
Awards:
* 2009 KBB.com Best Resale Value Awards
For more information, visit www.kbb.com. Kelley Blue Book is a registered trademark of Kelley Blue Book Co., Inc.
Features
- Aux Input
- Keyless Entry
- Satellite Radio
- Alloy Wheels
More Details
Dealer Comments
All prices plus government fees and taxes, any finance charges, $85 dealer document processing charge, $30 electronic filing charge, and any emissions testing charge. Notice, all of our vehicles have an anti-theft system installed. The advertised price excludes the purchase of this anti-theft system, which can be purchased for an additional cost or removed from the vehicle at the time of sale. 24/35 City/Highway MPG
Awards:
* 2010 KBB.com Brand Image Awards
Reviews:
* A progressive look, more refined handling and additional features make the 2010 Ford Focus an even more appealing choice for drivers seeking a value-oriented American compact. However, itâ??s the SYNC system that really sets it apart from all of its competitors, particularly for those who use their cars as mobile offices or entertainment centers. Source: KBB.com
Features
- Bluetooth®
- Aux Input
- Keyless Entry
- Navigation System
- Satellite Radio
- Entertainment System
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Dealer Comments
All prices plus government fees and taxes, any finance charges, $85 dealer document processing charge, $30 electronic filing charge, and any emissions testing charge. Notice, all of our vehicles have an anti-theft system installed. The advertised price excludes the purchase of this anti-theft system, which can be purchased for an additional cost or removed from the vehicle at the time of sale. 26/38 City/Highway MPG
Awards:
* 2013 IIHS Top Safety Pick
Reviews:
* Where some compacts feel light and flimsy, the 2013 Chevrolet Cruze exudes a feeling of solidity and strength. Those seeking maximum fuel economy will likely be impressed by the Eco modelâ??s 42-mpg EPA highway figure. Source: KBB.com
* Handsome interior design; Eco models high fuel economy; useful electronics interface; secure handling; top safety scores; big trunk. Source: Edmunds
Features
- Aux Input
- Emergency Brake Assist
- Cruise Control
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Dealer Comments
All prices plus government fees and taxes, any finance charges, $85 dealer document processing charge, $30 electronic filing charge, and any emissions testing charge. Notice, all of our vehicles have an anti-theft system installed. The advertised price excludes the purchase of this anti-theft system, which can be purchased for an additional cost or removed from the vehicle at the time of sale. 28/39 City/Highway MPG
Awards:
* 2012 IIHS Top Safety Pick * 2012 KBB.com Brand Image Awards
Kelley Blue Book Brand Image Awards are based on the Brand Watch(tm) study from Kelley Blue Book Market Intelligence. Award calculated among non-luxury shoppers. For more information, visit www.kbb.com. Kelley Blue Book is a registered trademark of Kelley Blue Book Co., Inc.
Reviews:
* * Engine choices include hybrid and natural gas versions * Excellent fuel economy * Relatively spacious for a compact sedan or coupe * Well-tuned suspension offering comfort with control Source: KBB.com
WARNING: Operating, servicing and maintaining a passenger vehicle or off-road vehicle can expose you to chemicals including engine exhaust, carbon monoxide, phthalates, and lead, which are known to the State of California to cause cancer and birth defects or other reproductive harm. To minimize exposure, avoid breathing exhaust, do not idle the engine except as necessary, service your vehicle in a well-ventilated area and wear gloves or wash your hands frequently when servicing your vehicle. For more information go to www.P65Warnings.ca.gov/passenger-vehicle.
All prices plus government fees and taxes, any finance charges, $85 dealer document processing charge, $30 electronic filing charge, and any emissions testing charge. Notice, all of our vehicles have an anti-theft system installed. The advertised price excludes the purchase of this anti-theft system, which can be purchased for an additional cost or removed from the vehicle at the time of sale.
Plus government fees and taxes, any finance charges, $85 dealer document processing charge, any electronic filing charge and any emission testing charge.
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Directions To Our Dealership in Roseville
Use the directions link below, or call us at (916) 527-6430 for directions to Special Direct Sales.
Prices listed or MSRP does not include destination and handling fees. All prices are from manufacturer website. Please contact dealer for pricing and availability of any in-stock vehicle.
Dealer Comments
All prices plus government fees and taxes, any finance charges, $85 dealer document processing charge, $30 electronic filing charge, and any emissions testing charge. Notice, all of our vehicles have an anti-theft system installed. The advertised price excludes the purchase of this anti-theft system, which can be purchased for an additional cost or removed from the vehicle at the time of sale.