A lot of lenders won’t even look at a loan application submitted by someone who’s had a bankruptcy.  They won’t even talk to a person in that situation until they’ve sufficiently reestablished their credit.  Unfortunate as that is, there’s really nothing that can be done- that’s just the way some lenders are.

However, there are lenders who do work with bankrupt individuals.  Secondary auto loans are provided by companies that are willing to work with those who have bad credit.  Some are reliable and some aren’t- and these secondary loans come with higher interest rates and usually a bigger down payment.  However, most people who are applying for a secondary loan are aware of this- and even if the loan does come with higher interest, it’s still cheaper than going to a buy-here, pay-here lot.

Before you use a lender, make sure that they are accredited with the Better Business Bureau.  This is a pretty reliable indicator of their trustworthiness, and many lenders are members of the BBB.