Near Disaster AVOIDED at Washington Auto Credit

Last Friday at about 11am, we got a phone call from a customer in Spokane named Brandy who had filed Chapter 7 Bankruptcy about three months before calling us. It usually takes about 90-days for a bankruptcy to discharge after the filing date, so we knew we were getting close to the bankruptcy discharge.

After going through our normal investigative questions, we had learned that Brandy had reaffirmed a car in her bankruptcy, but did not make the required payments of the reaffirmation, so the vehicle had just been repossessed.

Reaffirming a vehicle after bankruptcy means that the customer accepts legal responsibility for the loan after the bankruptcy and if you don’t pay, the lender can pursue you for losses…JUST LIKE THE BANKRUPTCY NEVER HAPPENED.

We instructed Brandy to call her attorney IMMEDIATELY and rescind the reaffirmation agreement that she had signed on the old vehicle.  Our fear was that Brandy’s attorney was not in the office, because many attorneys take Fridays off. Brandy hung up the phone with us, called her attorney.  Luckily, her attorney was at work on this Friday and was able to submit the recission minutes before the trustee’s office closed. Brandy was able to include the old vehicle in her bankruptcy.

Less than an hour later, her bankruptcy discharged.

If she had not been able to get the recission submitted before the discharge, or if her attorney had not been in the office until Monday, or if she had waited until Saturday to call Washington Auto Credit, Brandy would have been responsible for the vehicle loan that had ALREADY BEEN REPOSSESSED. Since she called Washington Auto Credit at the last possible minute, Brandy has no legal responsibility for the old loan, and she now has a new loan and a new, more reliable, vehicle to help her rebuild her credit.

One life changed.


Michael and Amanda from Fort Lewis

The service was exceptional, Zach remembered us from a year ago and was very willing to help us find the perfect deal on the vehicle we wanted.

This was the perfect place for us because they asked what we wanted for both payment, options, warranties, and bend over backwards to make it happen.

Derek and Raina from Grayland, WA – 2008 Ford F150

2008 ford f150 auto loan bad credit derek grayland

Derek with his 2008 F150

Amazing, from first contact to end of sale. Very smooth buying experience. Found exactly what we were looking for. Highly recommend. As for Brian Griffith to help with all of your auto buying needs.


Holly and Roger from Olympia

Our experience with Brian and Robert was very good. They were very knowledgeable and informative on how to purchase a vehicle while in a current bankruptcy. They found us the best loan possible for us. If you have credit issues we would recommend going to see Robert and Brian at Washington Auto Credit.


JoAnne and William from Tacoma, WA

We received a letter in the mail about special financing and decided to make the call and talked to Brian Griffith, who assured my wife and I he could help. Honestly, the best experience we have had with any dealership. Thank you, Brian, for all your help and patience. I highly recommend these guys.


Susan from Spokane, WA – 2012 Ford Focus

I had a very positive experience. They were the only place I went that treated me very well. I received a car close to the payments I wanted and a better interest rate than any other place had to offer. Bobbi was awesome. Thanks for treating me like a real person.

I would tell others to take their time and find a company/person who will treat you right and fair so you win in the end.


Check Our Reviews

Washington Auto Credit ReviewsLet’s face it, the internet has changed the way we do business. Decisions we make everyday are determined by the information we gather from our phone, tablet, or PC. The decisions people make based on that information determine the success or failure of businesses everywhere. Here at Washington Auto Credit, business is good. People seem to like us, and we stay very busy. Don’t believe me? Search for “Washington Auto Credit Reviews”. Look specifically at the sites with five or more reviews. To save time, you can just check out our pages on, Yahoo, or Google Plus. Here are some of the things you will read:

“…a must for anyone with less than perfect credit. Very happy with the service…”We went through the whole process easily and I drove my new car home the same day. Excellent experience…”Very friendly staff with amazing costumer service! I cant believe they were able to finance me for a car with my horrible credit. I highly recommend these guys for your next vehicle purchase …”The whole team went out of there way to make sure I was comfortable with my car payment. I’m extremely pleased I decided to make the 62 mile drive.”

At Washington Auto Credit, we specialize in helping people with credit challenges buy vehicles. We have awesome bankruptcy programs and a ton of inventory to choose from. In fact, we even offer Guaranteed Credit Approval for everyone with more than $800 provable monthly income. If you or someone you know could use our help, give me us a call at 888-300-3502 or apply for an auto loan at


Bunni from Skokomish, WA – 2011 Ford Fusion Hybrid

I had an awesome experience.

When I called and spoke with Brian he was very eager to help me and when he couldn’t work with me (due to illness), he was sure to put me in touch with Ron who was extremely easy to work with.

I would strongly recommend to my friends and family. I will definitely be purchasing my next vehicle here.


Colby from Tacoma, WA – 2006 Ford Mustang

Brian made the entire experience very comfortable. He was extremely helpful in finding me a vehicle in my price range. He went above and beyond to get me the deal I needed to finance comfortably!

Take the time to explain your situation, what your prepared to pay each month, and leave the rest up to them!


Adrienne from Seatac, WA – 2011 Jeep Compass

bad credit auto loan seatac Adrienne with her 2011 Jeep Compass

Adrienne with her 2011 Jeep Compass

My experience here has been pleasant, professional and to the point. I was referred by another customer and Ron Moore exceeded my expectations. It was fast, but not rushed. The price was reasonable. I would recommend other people come here and work with Ron.