Day One financing to replace a surrendered vehicle, and redemption loans that let you keep the car you already have — built for Nevada debtors, funded fast, zero pressure.
Locally owned, Las Vegas-based team. No cost to check eligibility. Wholesale-based pricing.
Bankruptcy gives you real rights over your vehicle. Which loan makes sense depends on whether you're starting over with something new, or holding onto what's already yours.
If you surrendered your vehicle as part of your filing, a Day One loan finances a replacement — often before your case even closes — so you're not stuck without transportation to work, court dates, or your kids' school.
Under Section 722 of the Bankruptcy Code, Chapter 7 debtors can redeem a vehicle by paying its current replacement value in one lump sum, instead of the full loan balance. A redemption loan finances that lump sum.
Day One Las Vegas is powered by Speedy Car Loans, a Las Vegas-based lender built specifically around Nevada bankruptcy cases. When you call, you're talking to a local team that understands day one and redemption financing — not a national hotline reading from a script.
Because a redemption loan is sized to your vehicle's current wholesale value instead of your original payoff, both the monthly payment and the total you'll pay over the life of the loan typically drop — sometimes by thousands. Every case is different, but here's a representative example.
Get my numbers| Current loan | Redemption loan | |
|---|---|---|
| Term remaining | 64 months | 60 months |
| Monthly payment | $489.00 | $359.53 |
| Total remaining | $31,296.00 | $21,571.80 |
| Estimated savings | $9,724.20 |
We work directly with lienholders and Chapter 7 trustees across Nevada to confirm payoff figures, coordinate lien releases, and keep redemption and surrender cases moving without back-and-forth. If you're a creditor or trustee handling a case involving one of our clients, reach out and we'll get you the right file.
Call (702) 372-2598Day One financing and redemption financing solve different problems and follow different timelines. Here's roughly where each one fits into your case.
You file Chapter 7 or Chapter 13 and surrender your current vehicle as part of the case.
A quick call confirms your budget and eligibility — no discharge or waiting period required.
Choose from new or low-mileage options at wholesale-based pricing, sized to what you can afford.
Financing funds and you drive off — often within days of surrendering your old vehicle.
You file Chapter 7 and tell your attorney you want to redeem your vehicle instead of reaffirming or surrendering it.
We pull your vehicle's current replacement value — usually well below what you still owe on it.
We work with your attorney on the §722 redemption motion and confirm the lump-sum payoff figure with your lienholder.
Funds pay off the lien in one lump sum and the car is yours, free and clear of the original loan.
Day One Las Vegas, powered by Speedy Car Loans, works alongside Nevada bankruptcy firms on redemption motions and post-filing vehicle financing — one dedicated point of contact for every client who needs a car sorted out during their case.
Become a referral partner →A single point of contact for every client who needs vehicle financing during or after their case.
In many cases, yes. Day One financing is specifically structured for people in an active Chapter 7 or Chapter 13 case. Every case is different, so we confirm details with you and, where relevant, your attorney before moving forward.
Reaffirmation keeps your original loan and balance in place. Redemption lets you pay the vehicle's current wholesale value in one lump sum instead — often far less than what's owed. A redemption loan finances that lump-sum payment.
For redemption loans, yes — we coordinate directly with your bankruptcy attorney since redemption requires a motion with the court. For Day One replacement financing, we can usually work with you directly.
Day One Las Vegas is powered by Speedy Car Loans, a Nevada-based lender focused on day one and redemption financing for bankruptcy filers. It's a standalone financing brand — not affiliated with any vehicle surrender or storage service.
Initial eligibility conversations are no-cost and no-obligation. We'll walk you through what, if anything, is checked before any formal application.
Tell us where you are in your filing and we'll tell you what's possible — no pressure, no cost to ask.