I "was" looking for a car, but it was more of a want than a need, so I decided against it. Once I was itching for a car, I went to the dodge dealership. I was approved, but at a 20% interest rate. Yes, I would have been nice to get a brand new car with 1 mile on it and 0 down, but no thank you! Two days ago, I went onto Carvana's site and they did a soft pull on Experian. I saw several cars that I would love to have, but they required $1800 down at 12% interest rate. So if you can't get approved through your credit union, check out Carvana.
ETA: Oh and I was just discharged about 3 weeks ago.
I didnt try pre filing, but did try pre discharge. It was $1700 down with an 8% interest rate. I wish I could have got a car then, but didn't want to jeopardize anything. Make sure your experian report is squeaky clean because thats who they pull from. I'm going to check again in a few months.