Littleton: 720-266-4941

FAQs

Here are common questions about what we do.

Can I choose a car I actually love, or just what I’m "allowed" to have?

We want you to feel pride in what you drive. We work hard to find a balance between a responsible budget and a vehicle that makes you smile when you see it in your driveway.

Will a bad credit report affect how I am treated as a customer?

Absolutely Not. Although a less than perfect credit history may affect your interest rates. We want to assure you that we are non-judgmental dealer and treat all of our customers with the upmost respect. You will receive the same high level of service and care as each one of our customers experience.

 

My car was repossessed in the past, can I get another car loan?

Yes, there is a good chance you can get another car loan. There are lenders who will give you a loan even with a repossession on your credit report, however every situation is different and must be evaluated on an individual basis. Contact us today and see if you meet the lenders requirements.

Are your vehicles professionally inspected?

Yes everyone of our vehicles are inspected by our certified technicians and must meet our high standard of quality and safety before being offered for sale. 

I don't have any money for a down payment or a car to trade-in. Can you help?

Yes we can. We have lenders with programs that are structured to help those who don’t have cash for a down payment or a trade-in. 

I have collections on my credit report. Will that stop me from getting a car loan?

It all depends on your personal situation. Contact us and find out if you qualify or call 720-266-4941 today. 

I'm new to the area and haven’t been on the job that long, can you help me get a loan?

We can help you once we understand your situation. Most lenders want to see 2 years of continuous employment and residence history so this situation can be easily resolved.

 

I have been to other car lots trying to get financed and all I saw were junk cars. Is this the same way you operate?

No we don’t operate like that. We offer our clients late model vehicles that are safety inspected, detailed and ready for you to drive home and show off to your family and friends. 

Is it all right if I apply for a car loan so soon after bankruptcy?

It’s completely natural to feel hesitant. We approach every application with a spirit of grace and understanding, recognizing that your past does not equal your future. We are here to walk beside you, not just process paperwork.

Do I need a co-signer to apply?

No, but having a co-signer could strengthen the application. Note, however, that having a co-signer does not guarantee approval. We consider several factors when determining whether a co-signer is needed.

Do you think that this loan would provide for my family's needs better?

Having a reliable car can open new job opportunities. So, if you have been putting off buying a car because you are worried about breaking down on the way, never miss out on a school play, doctors or hospital appointments or family nights out with the kids or a night out with the husband. We have a wide variety of cars for all budgets.

What if I haven’t had my bankruptcy discharged yet?

In most cases of “open” bankruptcy you may be able to apply for a car to get back on the road while you wait for your bankruptcy to be discharged and we can advise you of the necessary steps to take.

What documents do I need to show proof of readiness for chapter 13 reorganization bankruptcy?

A current pay stub, recent utility bill, driver’s license and a copy of the bankruptcy filing are typically sufficient for Chapter 13 reorganization bankruptcy. We try to keep the list as short as possible to reduce distractions from more important things like rebuilding your financial life.

What if I have an emergency and having trouble with a payment?

Open, honest communication with you and the lender is key to making the best of difficult situations. Our lenders are usually willing to work with customers who are good for payment and advise them of any difficulty.

Will I be able to get a truck or van for my small business?

Possibility is our favorite word. If your new start involves entrepreneurship, we will do our best to find a vehicle to help your business grow.

Will I be able to get a truck or van for my small business?

Possibility is our favorite word. If your new start involves entrepreneurship, we will do our best to find a vehicle to help your business grow.

Can I upgrade my car in a couple of years?

Yes, you can purchase a car with the intention of selling it and upgrading. Many people do this as they begin to build their credit back up. That is our hope for you! Your first loan is just the jumping off point to getting your finances back on track.

Do all used car dealerships in Littleton CO offer bankruptcy programs?

Not all dealerships are willing to work with customers who’ve gone through bankruptcy. We work with lenders who specialize in bankruptcy car loans so we can help you get the car you want with no hassle or stress… and at the best price.

Can I bring my kids with me to the dealership?

Yes, you can. We are a family-friendly dealer and can comfortably accommodate your children while you look for vehicles or discuss business with our sales team. 

What kind of cars do you have on your lot? Cheap or High Quality?

Our lot is filled with vehicles of high quality and reliability, and we strive to offer affordable options. Our aim is to provide cars of quality and durability, avoiding the trap of “cheap” cars with a short life span, breaking down after a few months.

What's my first step?

The first thing you want to do is breathe. Take a deep breath. You’re not alone anymore. Contact us 720-266-4941or email us and will help you get the car you want that fits your budget and situation.

How much will it cost?

Our service includes a compassionate review of your monthly needs. We won’t set you up for failure; we want to ensure your car payment is a tool for your growth, not a source of stress.

What if I don’t have a large down payment?

You don’t need a fortune to purchase your car. We understand that cash is tight during this transition. We work with various lenders to help you in situation like this.

I'm self-employed. Can you help me get a loan?

Yes we can help. We have lenders that will extend you a loan by simply verifying your income from your last two years tax returns. 

Can you help. I owe more on my car than what it's worth?

We often can solve this problem for our clients due to the relationships we have with our lenders and also due to the large selection of inventory that we have.

I am in a bankruptcy right now, can I get approved for a loan?

Yes, we have several lenders that offer programs that will give approvals to those in open bankruptcy, both chapter 7 and chapter 13. 

Can you help me if I want to get a truck, SUV, or a van and not a car?

Yes we can help you. Selection is not an issue with JFR Bankruptcy Autos. We have a large selection of vehicles for you to choose from.

I'm on active duty with the military, can you help me?

We have lenders that offer financing to Military Personnel E-3 and above. Contact us so we can see which program is best for you. 

What if I don’t live in the area. Can I get pre-approved for an auto loan?

We can usually get you pre-approved either by email or fax prior to your coming into town to pick up your car. 

Can I get a vehicle that is safe for my children?

Safety for your family is a top priority and we are happy to begin looking for a safe, reliable and well inspected vehicle for your needs.

Does getting a car loan help me feel "normal" again?

Independence is a huge part of emotional recovery. Having your own reliable transportation allows you to get to work, care for your family, and reclaim your daily rhythm with confidence.

Can you help me get a lower interest rate in the future?

 All indicators suggest that interest rates for consumer loans will remain low for the long term. It’s easy to start saving with just one payment. By making regular payments you will be on track to lower interest rates and better loan options for future loans.

How much time will the actual appointment take?

We really value you and your story. Every appointment is typically 60-90 minutes long, and we strive to find a member of our team that is a good fit for you and your goals.

Are warranties offered on the vehicles for sale at your used car dealership?

Yes! We offer peace of mind by including warranties for most of our inventory. This way, any minor repairs won’t break the bank. 

Can I trade in a high-mileage, old vehicle that doesn’t have much value to it?

Yes, we can evaluate your vehicle and provide you with a quality trade-in value. We’ll help you get out of an old, worn out and unreliable vehicle, that causes you worry and into a new vehicle that brings you confidence and peace of mind.

Can I trade in a high-mileage, old vehicle that doesn’t have much value to it?

Yes we’ll review your situation and get a quote for you. We believe in second chances – that past repossessions don’t necessarily mean all your options are gone. We invite you to start fresh.

Will you provide financing if I am currently on disability or on social security disability?

A person on disability or receiving Social Security Disability can obtain a vehicle. There may be some exceptions, but those are few and far between. Yes, people on SSDI should be able to get a car. We welcome applications from all payment methods.

Can you explain the fine print in simple terms?

Yes. We commitment to our core value of Service by always explaining all aspects of our agreements in full and making sure you have a complete understanding before you sign anything with us.

Will my spouse's bad credit affect my chances of getting a loan?

Not necessarily. We can review an application on an individual basis and pursue the course of least resistance for you.

How soon will I see an improvement in my credit score?

Everyone likes immediate gratification, however, in the world of credit scores, patience is a virtue. Each situation is unique; but in most cases, individuals feel a very positive shift within a couple of months as consistent on-time payments become the norm.

Can you help me if I’m going through a bankruptcy and a divorce?

We are experienced in handling complex facts and situations and provide a non-judgmental environment for you to have your transportation issues addressed. We offer honest, practical and professional advice in a non-judgmental environment to help you find a solution. 

Can I apply online before I come into the dealership?

Yes. We try to make the process as straightforward and non-intimidating as possible. Therefore, you can fill out the application form online before coming into our office.

Still need help? Send us a note!

For any other questions, please email us or call 720-266-4941.

JFR Bankruptcy Autos
8371 Southpark Lane
Littleton, CO 80120
720-266-4941
Hours are flexible and by Appointment.

Unsure if you qualify for a car loan after bankruptcy? Get Pre-Approved Today.