Applying for car loans after a bankruptcy can be a daunting task, but it is possible to secure a loan. Since your credit is less than perfect, you need to have compensating factors like work history and down payment to offset your low score.
If you have a spouse or relative that can co-sign with you, this is a viable option to help get a car loan at a decent interest rate.
Your credit is not as important if you have a large down payment on the vehicle. Typically car buyers put down less than 10 percent, but with a bankruptcy you should aim for a 20 percent down payment. This makes the loan less risky for the lender so they are more likely to lend you the money.
Having worked in the same field and the same job for many years is a plus when your credit is less than perfect. The lender will likely feel comfortable in the fact that you should continue receiving a paycheck in the future.
Pay down some credit cards or personal loans in order to raise your credit score. Your score will be higher and you will less risky to the lender since your debt load is low.