When will I be able to get a credit card, loan, car and/or mortgage after bankruptcy?

We'll get offers from your creditors that save you money.​

Get your first no-obligation offer from your creditor in just a few days. It’s up to you if you want to accept it.

You can apply for credit cards, loans and car loans right after discharging debts in Chapter 7 bankruptcy. However, the rates may not be ideal. You can apply for a mortgage 2-3 years after discharging as well.

Please keep in mind that Chapter 13 is a much longer process than Chapter 7, and you typically can’t get new credit approved while you are in it (the vast majority of Chapter 13 plans run for 5 years).

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