- 1). Choose which type of loan you'd like to apply for. The two most common are auto loans and mortgages. After filing for bankruptcy, you have a better chance of getting one of these versus an unsecured personal loan of some sort.
- 2). Look for a lender who specializes in loans for people with bankruptcies on their record. Try searching online by typing either "auto loan after bankruptcy," or "mortgage after bankruptcy" into your search engine. You can also search for bad credit services companies. A benefit of working with one of these companies is that they work with multiple lenders so you only have to apply once and you'll be matched to the lender who will most likely approve your application.
- 3). Fill out the application and submit it. Each company will provide their application on their website and you can submit it right after completion.
- 4). Wait for your pre-approval. The lender will contact you and tell you whether you were approved for the loan or not. If you're approved, the lender will explain the terms and conditions along with the next steps you'll have to complete to finish the loan process.
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