You can get a car before your BK is discharged but it won't be as good as a deal you can make once your BK is discharged. You can ask around at your local dealerships to see who will help you. A LOT of salesmen will say yes we can but then the deal they offer you sucks the big one. Best to contact the finance managers and find out if they deal with recent BKs.
I got a new 2015 Honda Civic Coupe LX within 3 weeks of discharge financed through Honda Financial. The interest rate is high but I have a new car that holds it value better then a lot of other cars and I can refinance at my local credit union after a year post BK at a much lower rate. One nice thing with Honda Financial is after one year of on time payments, you are in good standing with them so you can get those special finance and lease deals they offer.
This was after getting jerked around by other dealerships, yes we can finance you this lovely used car with 99,000 miles at 15%, NO NO NO or this lovely used car at 25% NO NO NO. Realize you will not get the super low rates but you don't have to settle for a bad deal. Be willing to walk away if neccessary and try another dealership. I couldn't finance with Capital One since my previous car was financed through Cap One and I did not reaffirm my loan.
