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Obtaining a car loan after bankruptcy should not pose a major problem. Since you have been discharged, you are not allowed to file another petition until eight years have passed. Many auto lenders may find you to be a wonderful credit risk since the term of an auto loan will normally be less than the prohibition period. Also, many auto dealers will “self-finance” their own vehicles since their cost basis is less than the price you will pay to purchase the auto. Therefore, the auto dealer's risk is much less than that of a bank or finance company. A recent bankruptcy should not prevent you from buying an auto.