Given that you have an open BK then your options are going to be extremely limited. Remember that most of the time when you read "horror stories" about lenders there is a back story that you are not getting. If you take the loan just make sure you set up some kind of auto draft payment arrangement so you have proof of when a payment was made. If you do not go into arrears creditors are very friendly. The terms you get will not likely be very good but you can always look to refinance options down the road when your credit situation settles.
Obviously the best plan would be to just buy a get you by car with cash but if that is not possible then you are going to have to accept whatever terms you are offered in the moment.