I found that there was a big difference if you are two years out from Bk and you are almost there (2 yrs from discharge). If you filed in Jan 2011 than did you get your discharge in April 2011?

I was 2 yrs out when I financed my used vehicle and got a Chase auto loan for 7.14% for a used vehicle (2009 Venza purchased in 2011)

Try Chase. In the meantime, see if you can't put together enough cash to bring to the deal. It wouldn't hurt to make a few phone calls to selected CU's that are encouraging auto loans now. Specifically ask them about the 2 yr period as more than one of the CU's I spoke with wouldn't finance me until 2 yrs from discharge.