Looking to get approved for auto financing in a fast friendly environment? You’ve come to the right place! BlueSky’s auto finance platform is integrated with Hundreds of lenders and auto dealers that provide both direct-to-consumer and bad credit car financing options. Get Started! It’s Fast, Easy & Confidential. Jun 30, · Helpful to 2 out of 2 people At the dealership I used to work for, we used REM as a lead source and approved many applicants in and out of bankruptcy. It all depends on how good the dealership’s finance department is for how good a deal you could get. I’ve saw some people coming out of bankruptcy getting as low as %. 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 bankruptcy.