Bankruptcy filings are up nearly 16% over the past year, especially across Montana and the Mountain Region.
If you’ve filed for Chapter 7 bankruptcy, you’re not alone — and you’re not out of options. Most Chapter 7 cases are discharged within 3 to 6 months, but once that happens, many people struggle to get approved for basic financing like auto loans.
After a bankruptcy discharge, most banks and credit unions say no. But you still need a vehicle to work, live, and rebuild. Traditional lenders typically make you wait 1–2 years, even if your debt is gone.
That’s where alternative financing comes in.
If you’ve had a bankruptcy, look for:
At Randash Auto Center, we work with customers across Montana who are rebuilding after bankruptcy. Every vehicle comes with a 2-year / 24,000-mile warranty. We report on-time payments, and you earn Randash Bucks — 10 = a free oil change.
We’re here to help you move forward — with a car, a plan, and a second chance.