Haga clic aquí para que el sitio web cambie a español.

Second Chance Auto Financing At Omega Auto Brokers

Your Past Doesn’t Define Your Future

At Omega Auto Brokers, we believe everyone deserves a second chance — especially when it comes to owning a reliable car. Whether you’ve had a repossession, foreclosure, bankruptcy, or other credit challenges, we can help you get back on the road and rebuild your credit.

...

We Specialize in Helping:

  • Customers with repossessions
  • Bankruptcy (Chapter 7 or Chapter 13)
  • Foreclosures
  • Late payments or collections
  • Low or no credit scores

We work with lenders who focus on your current situation — not just your past.

What Second Chance Lenders Look For

Even with past credit challenges, banks and lenders want to see:

    Stability:- Consistency in your job and where you live can boost your approval chances.

    Ability to Pay:- Steady income, whether from a job, self-employment, or benefits, shows you can handle monthly payments.

    Income & Down Payment:- Even a small down payment can make lenders more willing to approve you.

    Realistic Vehicle Options:- Choosing a car that fits your budget helps get a fast “yes” from the bank.

We’ll help you prepare your application so lenders are more likely to approve you quickly.

...
...

Our Second Chance Credit Process

    We Listen Without Judgment:- Tell us your story and what’s happened with your credit.

    We Match You with the Right Lender:- We work with banks that specialize in second chance auto loans.

    We Structure the Deal for Success:- Picking the right vehicle and loan terms gives you the best shot at approval.

    You Drive Away & Rebuild Credit:- Every on-time payment helps improve your credit over time.

Why Second Chance Customers Choose Omega Auto Brokers

  • Experience helping customers after repos, bankruptcies, and foreclosures
  • Lenders that focus on your future, not your past
  • Affordable down payments and flexible loan terms
  • Friendly, bilingual team
  • Vehicles inspected for quality and reliability
...

Frequently Asked Questions

Yes — we have lenders who specifically work with customers who’ve had a repossession in the past.

Depending on the type and status of your bankruptcy, we may still be able to help. Bring your trustee’s contact information if applicable.

Some lenders approve customers immediately after discharge, and in certain cases, even during the bankruptcy process.

Not always — but the more you can put down, the stronger your application. Even $500–$1,000 can make a difference.

Yes — making your payments on time can help improve your credit score over time.

It depends on your budget, down payment, and income. We’ll help you choose a reliable vehicle that fits what the bank will approve.

Possibly — but as your credit improves, you can refinance later for a lower rate. Our goal is to get you approved now so you can start rebuilding.

Yes — we work with lenders who report to major credit bureaus so your on-time payments can help boost your credit score.

Yes — even if you still owe money on it. We can evaluate your trade and apply it toward your new loan.

That’s exactly why we offer second chance financing. We have lenders who approve customers other dealerships can’t.

Take the First Step Toward Rebuilding Your Credit

Don’t let past credit issues keep you from getting the car you need. We’re here to help you start fresh with a reliable vehicle and a loan that fits your budget.

Business Hours
Monday-Friday: 11 - 5
Saturday: 11 - 2
Sunday: By Appt. Only - By Appt. Only

Trademarks are the property of Omega Auto Brokers

INVENTORY
TEXT US