Unfortunately, most national lenders will require an order to incur additional debt (through the “very bad court process” you mentioned) before they will approve a car loan, even though your bankruptcy is almost finished. There is one lender, Friendly Finance, that might be able to help you. Unfortunately, this lender only works through car dealers, so you will need to start calling around to see which dealers in your area do business with them. But even then, there is no guarantee that you will get approved (but it is still your best shot at this point).

The alternative is to approach the buy here pay here dealers in your area to see if one of them can help you out.