In the Spring of 2004 (Almost exactly 1 year after my Chapter 7 was discharged) I applied for a loan on a new car through Ford Motor Credit and received a loan at 9.9% for 3 years. The secret? I chose a lower cost year old model that was being discounted 30% and payed 20% down so the FMC was only financing 50% of MSRP. Combined with the quick repayment schedule I believe it minimized any chance FMC would end up loosing money in the event I defaulted. Not saying this would work for everyone but it worked for me.