How long does a bankruptcy stay on a credit report?

Up to 10 years under the Fair Credit Reporting Act. The credit bureaus generally remove a Chapter 13 bankruptcy after 7 years from filing.

Can You Get a Car Loan in Texas After Bankruptcy?

Often, yes. A bankruptcy can stay on your credit report for up to 10 years under federal law, but it does not stop every lender, and this site takes applications from people with a prior bankruptcy.

Chapter 7 and Chapter 13

Chapter 7 (liquidation) can be reported for up to 10 years from the filing date.
Chapter 13 (repayment plan): the credit bureaus generally remove it 7 years after filing. If you are still in an active Chapter 13 plan, you usually need the court or trustee's permission before taking on a new loan, so ask your attorney or trustee first.

What lenders look at after a bankruptcy

Whether the bankruptcy is discharged, and when.
Your income and how long you have had it.
Credit you have handled since, even small accounts.
How much you put down and how much you are asking to borrow.

Have this ready

Your discharge paperwork (or trustee approval if you are in a Chapter 13 plan).
Recent pay stubs or bank statements.
Proof of address.

How this site handles it

You start with your name, phone and ZIP code. A financing specialist then works your request with dealerships and lenders that take post-bankruptcy applications. Approval is decided by those lenders and is not guaranteed.

Related: bad-credit car loans in Texas.

Start your free pre-approval

Name, cell phone and ZIP code. No SSN to start.

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Sources: CFPB, Fair Credit Reporting Act, 15 U.S.C. 1681c(a)(1); Experian on Chapter 13 reporting. General information, not legal or financial advice.