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Larry H. Miller Chrysler Jeep Dodge Provo

1825 N University Pkwy
Directions Provo, UT 84604-1548

  • Sales: 8445352489
  • Service: (844) 637-4725
  • Parts: (844) 660-0795


  • Monday 09:00AM - 08:00PM
  • Tuesday 09:00AM - 08:00PM
  • Wednesday 09:00AM - 08:00PM
  • Thursday 09:00AM - 08:00PM
  • Friday 09:00AM - 08:00PM
  • Saturday 09:00AM - 08:00PM
  • Sunday Closed

Credit Challenges FAQ's

Q: How can you assist me in reaching my credit goals?

A: We assist you in your future good credit. Our lenders report to all three major credit bureaus (Experian, Equifax, and Transunion) so that you'll start rebuilding your credit instantly. Second Chance Provo makes to approval process easy with as little as $0 down and simple qualifying (driver's license, pay stub, proof of insurance & residence).

Q: Can I qualify for financing?

A: You have been pre-qualified based solely on your bankruptcy filing. There is increased pressure to stimulate the current economy. More funding has been approved for individuals with the ability and desire to re-establish themselves.

Q: Can I finance while in a bankruptcy?

A: You can finance while in a bankruptcy 7 & 13. There are programs to lower your interest rate a full 2% per year.

Q: How can I ensure a quick approval?

A: Bring your most recent pay stub, your most recent utility bill, a valid driver's license, and proof of auto insurance.

Q: What if I have no cash down or trade-in?

A: Don't let that discourage you! We have lenders that will help you in situations such as, no cash down or no trade.

Q: What if I have a trade-in, but owe more than it is currently worth?

A: We often solve this type of situation due to our large selection of inventory and the great relationships that we have with multiple lenders.

Q: What if I am new to the area and/or have a short job time?

A: Most lenders want to see 2 years of continuous employment and residence history so this situation can easily be resolved.

Q: What if I have do not live in the area?  Can I be pre-approved for an auto loan?

A: We can get your auto loan pre-approved either by fax or email prior to your coming into town.

Q: What if I am self-employed? 

A: We have lenders that will extend to you a loan simply by verifying your income with your previous two years tax returns.

Q: What if I want to purchase an SUV, truck, van, etc.?

A: Selection is never an issue. We have the largest inventory in the state of Utah. All of our vehicles go through a 128-point inspection and are well reconditioned.

Q: What if I am on active duty with the military?

A: We have lenders that offer financing to Military Personnel E-3 and above.

Credit Issues

Chapter 7 Bankruptcy

Is a liquidation debt that generally takes three to four months from the filing date to discharge. We can arrange auto financing in an open or discharged bankruptcy. When your bankruptcy is open, we can arrange financing prior to your 341 meeting (also known as the meeting of creditors).

Chapter 13 Bankruptcy

Is a re-organization of debts typically between one, three, and five year terms. Our lending source will only require that an individual receive written permission from the trustee and/or the bankruptcy court and that your plan has been confirmed.

Multiple Bankruptcies

One or more bankruptcies that have been filed or discharged by an individual whether it is a chapter 7 bankruptcy or a chapter 13 bankruptcy. This credit scenario can still secure auto financing.

First Time Buyer

This individual usually has no revolving or installment credit history. Buyer typically has no credit bureau score, however, there are lending sources available for this type of buyer.

Credit Counseling or Debt Consolidation Programs

This individual has gone to a profit or non-profit organization in an attempt to pay back creditors in full at a reduced rate and/or payment. There are lending sources available for this type of situation.


If an individual has experienced a repossession, voluntary or in-voluntary, the lender will require that the repossession have occurred at least two years prior to the application for auto financing.

Excessive or Unresolved Derogatory Credit

This situation is one that most lenders will shy away from because of the high risk of bankruptcy. There are three forms of resolution: resolving the credit issues through repayment of debt. Resolving the debt through bankruptcy or not acting on the situation at all resulting in a continuation of excessive unresolved derogatory debt. There is limited means of financing available for this type of customer. A lender willing to finance this type of customer will require a large cash down payment and a shorter loan term resulting in a higher monthly payment.