Bankruptcy is a legal process by which you admit you are unable to keep up with your debt payments and ask for help from a court. In doing so, a borrower greatly reduces their options to take on new debt, including car loans.
Before shopping for a financed car, make sure it’s an absolute necessity. Depending on where you are in the bankruptcy process, the judge or bankruptcy administrator can disallow your purchase, or at least make it harder by making you redirect your down payment to pay off your existing debts.
Assuming a car is a necessity and you have cleared it with the judge or bankruptcy administrator, the process is similar to obtaining a car loan outside of bankruptcy:
Find the right car. Don’t be extravagant; get an affordable vehicle.
Shop for the right lender. Be specific in searching for lenders who specialize in loans for borrowers in bankruptcy.
In addition, be open and transparent about what you need and would like to do with the court or administrator of your bankruptcy. Like lenders, when there is a problem, they hate surprises. Unlike lenders, they have many more ways to create misery for you if you haven’t told them everything they ought to know.