Answer: -Actually the bankruptcy may not be too bad, they don't have to worry about you filing another one-you can't for what 7 years? But, you'll just have to pay a higher interest rate. I would say most banks won't finance you, they're pretty conservative. Unless you can come up with some collateral, they should do a secured loan. But, it's a big catch 22, if you had the collateral, you probably wouldn't be in the situation to get a loan.....Try checking with some of the car dealers, the ones that deal with bad credit. But beware, they are going to screw you over bad....Any chance of borrowing the money from family and doing a loan like that? That would probably be your best bet. -No matter how bad your credit is, you can always find someone willing to loan you money. The bad part is that the terms of loans to people with bad credit is usually pretty bad. The people with bad credit are a higher risk and the companies that make loans to them are not doing so out of the kindness of their hearts.Some places to avoid trying to get a loan would be the car dealerships themselves, especially the tote the note lots. The tote the note guys are pretty horrible when it comes to payments and terms. I have heard of them repoing on one missed payment before. I have also heard of them repoing on several late payments with no missed payments.You may also get some people come on here and say that they will give you a loan. More than likely those guys are scammers or loan companies that you don't want to do business with. A legit company would not be spending its time going thru Yahoo Answers looking for people to loan money to.Your best bet would be to hold back on buying a car (or get a cheaper car that you could possibly pay cash for) and work to fix your credit and also save up a better down payment. The best place to ask this question is at your bank. Go down and there ask to talk to a loan officer. Set up an appointment if you have to. Be polite and do not present a sob story. Just present the facts and tell them that you are working to turn things around and ask what advice can they give you and what help they can give you. Odds are, they will only give you advice, however, that is probably worth more than the loan in the long run.