In this scenario, getting a mortgage after bankruptcy will cost the borrower an additional $40, over the life of the loan because his lower credit score resulted in an annual percentage rate that is almost a full point karacto.xyzg: microfin. Nov 08, · You can apply for an auto loan as soon as your bankruptcy discharges. While some lenders may consider your application during a pending bankruptcy (see the question above), most prefer you wait until after you complete your bankruptcy proceedings. That way, the lender is assured the courts won’t include their loan in the karacto.xyzg: microfin. The most important thing you can do to boost your credit score is to make payments on time. By applying for an unsecured personal loan after bankruptcy, you can get an account with a lender who will report your monthly payments. How much you owe is Missing: microfin.