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3. Nowadays car dealers are also coming forward with new packages with flexible terms. Updates will need to be made after your bankruptcy, so you should send information on your discharge to Equifax, Trans Union and Experian, the main credit reporting groups. You may have been declared bad credit holder due to bankruptcy, arrears or previous unpaid debts but still you have long cherished dream to drive your own car. Getting the vehicle Auto loans bad credit entitle you to procure all the money required to buy a new car or a used one with just a small down payment. You can learn more information from your banker about courses in your area that can give you more information on fixing bad credit after bankruptcy. Credit increases will rise if you pay your payments for the card on time. It will take ten years for a bankruptcy statement to come off of your credit report. Because car loans are secured, the interest rates are better than those on.