When it comes to divorce, things can get messy - especially if you were the one left without a vehicle. What's even worse is if the car is in both of your names.

There is a way out for you, and the best way to do that is to have the loan refinanced in your spouse's name only. This is what you need to consider when making plans to get yourself back on the road.

Have Your Name Removed From the Loan.

We've talked before about how cosigned loans can be a hassle in divorce. Your first action then is to get the car refinanced in their name only. If you are looking to get a car of your own, it will be very difficult to do so if you are still on your ex's loan agreement.

The reason for that is because you are still seen as being financially responsible for the vehicle by the lender, and they will not lend you anything while you are still on the hook for someone else's automobile.

When you refinance, you will free yourself of that debt load. Do it soon in order to avoid any possible damage to your credit should he/she cease to make the payments. You can view and compare quotes online by filling out our easy and secure refinance request form.

Restructure Your Finances.

Most likely the amount of your income will have changed since the divorce. Reassessing your finances can seem daunting, but it is a necessary step in order to move forward with your life.

The amount of post-divorce debt you have will also be a factor in what you can afford to get. If your divorce had you dealing with attorneys -- which is most likely the case, especially if there were children involved -- you may have been left with a large legal bill in addition to your pre-existing obligations.

If you have to pay alimony or child support, first learn how child support is calculated in a car loan. Once you understand how car dealers calculate alimony, you'll want to investigate what size car payments you can afford on your remaining income.

Did Your Split Drop Your Credit Score?

How is your credit? Did it survive the marriage, or did it take a hit as well? If there are any credit accounts or loans that are still in both of your names, it will be reported on your credit report and it will impact your credit score. Contact these creditors and find out what you need to do to refinance these accounts.

Here at Auto Credit Express, we know that hard times are not the same for everyone and that sometimes bad things happen to good people. And we also know how stressful it is when you are trying to get back on your feet from a life changing event such as this, and we will do everything we can to get you back into a car, truck or SUV that fits your new lifestyle needs.