Both of them can finance whomever they want. I've seen people with much lower scores get financed by both. Doubt the BK will be a problem.
My first choice would be to go with a credit union if you are a member of one. If you don't have an established relationship with one, I had friends which used Captial One if you were looking for pre-approved before you walked into the dealership.
If you are ok with the credit hits that you will take, which there may be several. The finance person at the dealership will give you various options of different approvals.
Worst case scenario, you can take what they give you at the dealership, then refinance with a credit union in 3-12 months.
If you go with the dealer option and they give you the choice between a bank (Chase, Cap 1, etc.) vs BMW fincancial services (or MB) go with the bank. The auto financials are considered CFA. Thats all I have for you. Hope it helps. Cheers!
