After you are filing for bankruptcy your loan options have not totally gone down the drain. There are lenders who offer bad credit loans. These loans help you get your credit history back on track. Yes, they are more expensive than traditional loans. There are higher fees, and higher interest rates, but the benefit is that they help you create a good credit history again. You just need to be sure and pay them off on time like you are asked to.  Once you start creating good credit for yourself again, it will only be a couple of years before you establish credit for yourself again and get a better credit rating.