<prompt> Human: Im in need of a little advice for my girlfriend. She recently completed a filing for Chapter 7 Bankruptcy because of a mountain of medical debt, but she is in need of a new car relatively soon. Her current vehicle is not in good shape, and it would cost more to get it in good shape than the car is worth. With the bankruptcy so fresh, what are her best options for getting decent financing for a used car? Edit: Ive heard other people not in this sub mention establishing with a local credit union for 6 months, then applying for a loan with them. Does that seem viable in this situation? Would it be easier to get financing on a car with a lower value?  <response>: Shes probably best off sticking to cash-only for at least a few years. 