I appreciate the feedback. Thanks everyone. I have no appetite for going back into debt so I think I'm going to look at all my options. While I want to have a reliable vehicle, I don't need to rush into anything or spend a fortune.

If I can put the money I would otherwise be spending on a car payment, gas and insurance in my savings account for 2-3 months, I should be able to get enough in there that I can buy something in cash. I definitely want to avoid buying a lemon because I've been in that situation before. I bought a $1200 vehicle a few years ago that fell apart about every 200 km before I finally junked it. I think that experience has me soured a bit. I am sure I can find a happy medium, however, that avoids borrowing just to have something for the moment.

Maybe what I really need is tips on buying used cars with the best possible result. This may be the wrong forum but if anyone can point me at some good resources for tips that would be great.

Yeah definitely don't use a "bad credit" company to get a loan for a car. You would be paying a ridiculous interest rate of like 20%.

Buy a used car once you save enough money. Then go from there.

Maybe you should contact TD and Barrie Ford - we've been told they seem to have special methods of getting people approved. LOL!!

O.C.

Honestly I would stay far away from all loans right now. I would just save the money for about six months that you were paying monthly on the bankruptcy and purchase a good used car.

Why pay interest when you don't have to?

EDIT: Plus cash will give you more bargaining power.

Stay away from all of them.
Best thing is buy a good used car for cash....under 5000. Plenty of them around. Re establish your credit with prepaid visa....then once your score improves you can try for small loans.
If you use one of the companies you spoke of you WILL be sorry.

Insurance cost will be a much bigger hurdle for you.

I am just coming out of a bankruptcy for the first (and hopefully only time) One of things I want to look at in the next little while is finding a vehicle, as I haven't had a vehicle for quite some time for my family of 6. I want to make sure I can find something I can reasonably afford of course without borrowing too much... but can anyone provide me with their experiences with auto financing after bankruptcy? There have to be 50 companies specializing in bankruptcy or bad credit car loans out there, and I am sure at some level they are all loan sharks. I realize I'm not going to get a preferential interest rate and probably won't get anything through a bank but what's the best I can do and what I should I try/avoid?

Thanks in advance
QC