You can technically buy a car immediately after your bankruptcy case is closed and you receive your discharge, especially if you pay cash

. For Chapter 7 bankruptcy, the process usually takes about 4 to 6 months, with discharge notice typically received around 90 days after the creditors' meeting; after this, you can apply for a car loan

. However, while it is possible to get a car loan even within six months after discharge, it is generally advisable to wait longer—6 to 12 months or more—to rebuild your credit score and improve your chances of securing a loan with better interest rates

. Waiting allows you to repair your credit and save for a down payment, which can reduce the cost of financing. For Chapter 13 bankruptcy, which lasts 3 to 5 years, you usually need court permission to buy a car during the repayment plan, but after discharge, you can buy without restrictions

. In summary:

• Chapter 7: You can buy a car right after discharge (about 4-6 months after filing), but waiting 6-12 months to improve credit is wiser.
• Chapter 13: You may need court approval to buy during bankruptcy; after discharge, you can buy freely.
• Buying with cash: No mandatory waiting period after discharge.
• Financing: Possible soon after discharge but expect higher interest rates; better rates come with improved credit over time.

This approach balances your immediate transportation needs with long-term financial health