Answer: -You CAN get a decent car loan, even with bad credit. I've done it, but you'll have to look around. That's one of the BIG mistakes people make...just taking the first offer that's given to them when they go to the dealer. Be smarter than that.WARNING: DON'T GO TO BUY A CAR WITHOUT HAVING THE LOAN FIRST. The auto dealers will eat you alive and give you a crappy rate. Shop around with lenders who specialize in bad credit car loans. It's a better option, you don't have to take what they're offering if you don't want it, and it's better than dealing with the car dealer's people.There are usually some nationally based car loan companies who specialize in bad credit car loans who advertise on the page linked below...http://www.axalda.info/bad-credit-car-lo... -The bankruptcy would have cleared you from debt but still a risk....with half down your interest rate would drop there risk has just been lower...if they were to repo it they would get there money back plus all repo and resale expenseswhat ever was left you would get a check for it.so to answer question yes you would get a better rate.Some where between the max interest rate allowed in your state and the lowest advertised rate for a new car purchase with perfect credit. -I just went through this no matter what you put down your credit score is still low so they consider you high risk,the only thing you will get is a lower monthly payment interest rates will be a little high for a while but you will get back on track just work hard keeping your credit good from now on