Ally financing and Bankruptcy

[gamecockcountry]

Marv, I think I've seen that you work a lot with Ally. I have a question about them.

 

My Chapter 7 was discharged in December 2011.

 

I have all positive auto finance history. Never a late payment on any car. My current vehicle is financed through Ford and has never been late. I reaffirmed it during BK.

 

I'm in a position where I could use a larger vehicle. I'm at 2.9% on the current loan so I'm not going to do anything like take a 20% loan. I don't need a larger vehicle that bad.

 

My scores are currently in the low 600's.

 

I know you don't predict rates but in your experience with a BK but great previous auto history do you think I'd be able to get a decent rate? I'm assuming my score would be too low for any promotional rates. I will have about $2500 in positive equity from my trade.

[MarvBear]

decent rate?

 

 

Define please?