🚀 Trusted Bankruptcy Auto Financing for 35+ Years

Bankruptcy Auto
Financing

Ready to Start?

In Chapter 7 or 13? Get financed today — fast approvals, $0 down options, and terms built for your fresh start.

Toyota Camry available with bankruptcy auto financing
Infiniti QX60 available with bankruptcy auto financing
35+ Years Trusted
Minutes to Approve
$0 Down Available
Start Your Application
Free pre-qualification — takes under 2 minutes
Bankruptcy Status
  • Bankruptcy Status
  • Yes Open Bankruptcy
  • Yes Discharged
  • Filing Soon
  • None
Join 20,000+ families who got approved
All financing subject to lender approval. Pre-qualification does not guarantee approval.
35+
Years in Business
20K+
Families Helped
$0
Down Available
2 Min
To Pre-Qualify
Why Motor World

Built for People in
Bankruptcy — Period.

We're not a typical dealership. We're specialists in Chapter 7 and Chapter 13 auto financing. Open case? No problem — that's exactly who we're here for.

35+ Years of Expertise

Thousands of Chapter 7 and Chapter 13 clients have driven off our lot. We know exactly what lenders need and how to get you approved — open case or discharged.

Fast, Respectful Approvals

Get a decision in minutes, not days. We treat every client with dignity — no judgment, no runaround, just a straightforward process that moves at your pace.

Low-Mileage Inventory

Drive away in a quality vehicle through our Fresh Start Vehicle Program — reliable, low-mileage cars and trucks at fair prices, regardless of your bankruptcy status.

Open Cases Welcome

Many lenders won't touch an open Chapter 7 — ours do, and actually prefer it. We work with lenders who specialize in active Chapter 7 and 13 cases, making approval faster and simpler.

Secure Credit Check

We perform a credit check to secure the best financing options for your situation — helping us match you with the right lenders quickly.

Flexible Terms & $0 Down

Our lender network is designed for fresh starts. We offer $0 down options and payment schedules that fit your budget — whether you're in Chapter 7, 13, or just discharged.

The Process

Three Steps to
Driving Again

Whether you're in an open Chapter 7, mid-Chapter 13, or recently discharged, our process is the same: simple, fast, and stress-free.

01
Submit Your Info

Fill out the short form above. Takes under two minutes. Your information is 100% secure and confidential.

02
Get Matched & Approved

We match you with the right bankruptcy-friendly lender from our network. You'll receive a decision in minutes with clear, honest terms.

03
Pick Your Vehicle & Drive

Choose from our low-mileage inventory and drive home the same day. We handle all the paperwork, including trustee coordination for Chapter 13 cases.

Secure Credit Check

We check your credit to find the best options for car loans in Chapter 7 or 13.

$0 Down Program

Ideal for car financing while in Chapter 7 or 13, or after discharge.

Flexible, Low Rates

Competitive bankruptcy-friendly rates from our network of lenders.

GET APPROVED NOW
Real Stories

Clients Who Got
Their Fresh Start

Don't take our word for it. Here's what real customers say about getting a car loan with us during bankruptcy.

"

I was referred to Motor World by my bankruptcy attorney. My salesperson Joe treated me warmly with respect and they came through. I was there less than an hour because everything was done before I got there. Thank you so much.

★★★★★
Antionette F. — Glen Ellyn, IL
"

I was referred by my attorney after filing for bankruptcy. I walked in, handed over my documentation, picked a car, and was out the same day. Joe and Bo were AMAZING. I didn't once feel like I was being upsold — they actually care about you being able to afford your car.

★★★★★
Briana — Glen Ellyn, IL
"

I had a fantastic experience with Zack and Ray! After filing for bankruptcy, I was really worried about getting into a new car, but they made the process unbelievably smooth and quick. I'm so grateful I was referred to them — they truly went above and beyond!

★★★★★
Tiarra M. — Glen Ellyn, IL
"

Awesome group of great people! Bo and family got me there on a Monday night afterwork January 2026 in a uber with my lady. Very Very Happy with my purchase and service and quality !!! Thanks

★★★★★
Riley C. — Mar 2026
"

We had a GREAT experience at Motor World Auto Superstore. The staff was wonderful. Rich was the salesman, Beau did the financial and Ray, the owner was very kind and helpful. So appreciate all of their help. We were able to get the 2025 Buick Envista that we wanted!!!

★★★★★
Edwina J. — Mar 2026
"

I have purchased from this dealership several times. The gentlemen have not disappointed me at all. Ray and Bo helped me so much. I recommend this place 10 out of 10. I love my recent purchase.

★★★★★
Kathy B. — Jan 2026
"

I had been looking for a car and was turned down and feeling helpless. I called and spoke with Rich and he was so helpful. But I really have to throw my hat off to RAY the owner — he went above my expectations. I have never experienced so many people in one establishment that took the time and care to help me. SO IT WAS A DELIGHT TO DO BUSINESS WITH THEM.

★★★★★
Cheryl F. — Aug 2025
"

It was the best car shopping experience I have ever had. Bo did all of the paperwork and we went in and picked up our new car.

★★★★★
Zelina B. — Jul 2025
"

It was the easiest car buying experience I have ever gone through. Bo was amazing. He walked us through every step and when we got there all we had to do was pick out our car. We were in and out within 2 hours and drove home in our new car. If you are going through a bankruptcy and you don't think you can get a new car, think again. Go see Bo. You will be so happy you did!

★★★★★
Paul A. Z. B. — Jul 2025
Secure & Encrypted
35+ Year Track Record
20,000+ Clients Served
FAQ

Common Questions
Answered Honestly

We know you have questions. Here are the ones we hear most often — answered straight.

Can I get an auto loan while in an open Chapter 7?
Yes — and our lenders actually prefer it. An open Chapter 7 means your debts are being discharged, which makes you a lower risk to our lending partners. We can often get you approved faster in a Chapter 7 than in a 13.
How do I get an auto loan while in Chapter 13?
We specialize in auto loans during active Chapter 13 cases. We coordinate with your trustee and attorney to get the loan properly approved within your repayment plan — start with our quick pre-qualification.
What's the best auto loan after Chapter 7 discharge?
Post-discharge is a great time to finance a vehicle. Your debts are cleared, and our fresh start auto financing offers competitive rates to help you rebuild credit while getting into a reliable car.
Can I get car loans during an open Chapter 13?
Yes — this is our specialty. We provide car loans during active Chapter 13 cases and work directly with trustees to get proper court approval as required by your plan.
Are there car dealerships that work with open bankruptcies?
Yes — we are one. Motor World has been a bankruptcy-friendly dealership for 35+ years, serving the greater Chicago area. Open Chapter 7 and open Chapter 13 cases are both welcome.
How do I get a car loan after Chapter 13 discharge?
Post-discharge is actually a great time to get financing. Our car loan after discharge options help you rebuild credit while getting into a reliable vehicle with flexible terms.
What are fresh start vehicle programs?
Our fresh start vehicle program pairs quality, low-mileage inventory with bankruptcy-approved financing — available for Chapter 7, Chapter 13, and post-discharge clients. Designed to help you start over without starting broke.
Will pre-qualifying affect my credit score?
Pre-qualification requires a credit check, which may impact your score. This helps us secure the best financing options tailored to your situation.
Ready to Start?

Apply for Your
Chapter 7 or 13
Car Loan Today

Quick pre-qualification — no commitment. Open cases welcome. We'll match you with the right lender for your exact situation.

  • Open Chapter 7 Welcome — our lenders actually prefer it
  • Open Chapter 13 Welcome — trustee coordination included
  • Secure Credit Check — to find your best options
  • $0 Down Options available for qualified buyers
  • Same-Day Decisions — drive home today if approved
Get Pre-Approved
Takes under 2 minutes — completely free
Bankruptcy Status
  • Bankruptcy Status
  • Yes Open Bankruptcy
  • Yes Discharged
  • Filing Soon
  • None
Join 20,000+ families who got approved
All financing subject to lender approval. Not all applicants qualify.
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