Larry H. Miller Chevrolet Provo | Vehicles for sale in Provo, UT 84604

Restart Utah has been helping people get back on the road to re-establishing their credit for the last 12 years. This includes open Chapter 7 & 13 bankruptcies, discharged bankruptcies, multiple bankruptcies, foreclosures, tax liens, repossessions, collections and judgments. Whether this is due to medical bills, divorce, loss of your job, or just a financial hardship, we can help. We work with people who have no previous credit, good, fair, or even bad credit history. We also offer financing options with no money down.

We have established relationships with many lenders that other dealers are not able to offer. This allows us to offer you the lowest rates, best quality vehicles and more financing options. These lenders are reputable and report to all credit bureaus so you can begin to re-build your credit. Starting the process is simple. It only takes a few minutes to fill out the secure finance application. We will have a member of the credit team contact you that same business day. If you are more comfortable contacting a team member directly, please call us at 801-558-0490.

No one understands your situation better than us. You can expect to deal with a friendly and professional consultant that will meet one on one with you to review your personal situation and circumstances. We will take the time to explain your options and answer any questions that you may have.

One of our specialties is arranging competitive financing for people in open bankruptcies. Now is the time to start re-establishing your credit. In most cases when you keep your current vehicle, it will no longer report on your credit bureau. This will only delay the process of re-establishment. One of advantages of buying a vehicle with Utah Car Credit is that we offer the rate reduction program. This program allows you to reduce your interest rate every 3 months as long as your payments are made on time.
Utah Car Credit has one of the largest selections of quality vehicles. This includes: Chevrolet, GMC, Buick, Ford, Dodge, Chrysler, Jeep, Toyota, Honda, Nissan, Hyundai, Kia and many more. We look forward to assisting you.

What you need to know...Credit FAQs

Q - How much can I get pre-approved for?
A - The loan amount that you will get pre-approved for is based on a number of factors. It will be based off of your gross monthly income (before taxes) as well as the amount of your previous installment loan history.

Q - When I qualify, how much money will I need for down payment?
A - We have many programs available that require no down payment.

Q - Can I use my trade as down payment?
A - Absolutely, we accept all makes and models. Just bring in your vehicle for a professional trade appraisal.

Q - Will a co-signer help me get approved?
A - In some situations, a co-signer can be beneficial. This is determined on a case by case basis. In some instances both applicants will have to qualify on their own.

Q - What are the interest rates?
A - Rates are based on your credit score, miles on the vehicle, length of the loan and the equity position of the loan. The higher your credit rating and down payment the lower your rates will be. We offer the most competitive financing available.

Q - I have had a recent repossession, can I still pre-qualify?
A - If you have had repossession outside of a bankruptcy, we work with many lenders that are still willing to give you a second chance.

Q - Can I get approved if this is my first auto loan?
A - In most cases, we have programs available. Lenders will typically look at an applicant's income and stability.

Q - Why buy from us?
A - We have established relationships with many lenders that other dealers are not able to offer. This allows us to offer you the lowest rates, best quality vehicles and more financing options. These lenders are reputable and report to all credit bureaus so you can re-build your credit.

Bankruptcy FAQs

Q - If I have a bankruptcy can I get approved?
A - Absolutely, unlike other dealers we can get you a loan prior to your 341 meeting. YOU DO NOT NEED TO BE DISCHARGED! Of course, we can still assist you if your bankruptcy has discharged.

Q - Can I get approved if I am in a Chapter 13 bankruptcy?
A - Yes, we can help you work closely with your attorney to obtain authorization from the courts to purchase a vehicle.

Q - Do I have to keep or re-affirm on my vehicle?
A - No, now is the time to start re-establishing your credit. In most cases when you keep your current vehicle, it will no longer report on your credit bureau. This will only delay the process of re-establishment.

Q - Will my interest rate be less if I wait until my bankruptcy discharged?
A - Not necessarily, we offer competitive financing plus rate reduction. This program allows you to reduce your interest rate every 3 months as long as your payments are made on time.