Getting a personal loan after bankruptcy it's not impossible and if you have the amount of experience and informations on your side, then you're going to get this - perhaps your options are a little limited, but you have to know that if you want, you could do everything. As we know, you know, a bankruptcy could be a very complicated moment, could be depressing and emotional, but if you want to pass over it, you have to think a little about your situation and choose the best for you - you need to improve your financial situation and be sure some loans are not going to make you worse. The first thing you should do before a bankruptcy is to declare it, then you have to work at improving your credit score in order to pass over it - in a year or two you won't get any loans or any other type of loans from traditional lenders like banks or credit unions, but the fact you have to consider is that you're going to get some money if you know where to look. Also, be sure you have a perfect score, no late payments in that 2 year period, so you can improve your credit and do not have any more problems in the future.

   It's very important only to take a loan when you really need it, and if you know that you can pay that loan, you have to do everything possible to pay it at time, so that you can improve your credit score and in the future to get some money from traditional lenders, faster, easier and with a lower interest. You could also get money from sub prime lenders (or bad credit lenders) when having a bad credit or after bankruptcy, but it's more complicated, sometime you need to pay insane interests and you may not want that for real. It's better to have acces on traditional lenders, but you have to know that acces is based on a key - good or very good credit score - the last is better. 

Also, make sure that you take your credit reports and make sure you don't have any problems/errors - in the case you see an error you have to report it immediatly if you don't want to have any more problems - also, be sure you order to monitor your credit score, while improving it, to know exactly what are you doing and if you are doing it right - take care of that right away, it's simple.

Get a new credit card because you may find that you do not have a good credit card, or no credit, after a bankruptcy. There are a lot of options you have in order to find a good credit card, there are so called bad credit lenders online and you could take a new credit from them - there are times when you need some sort of deposit to that credit, to be secured, so you do not represent any risk - you'll need to put up to $500 on that deposit, or it depends to the bank, more or less.

It's very important to improve your credit score and rating because you won't be able to qualify for a personal loan in 2 years before bankruptcy - this is why you represent a risk and no one is going to give you money if you do represent a risk; you're going to be rejected from traditional lenders and that's why you could apply to sub prime lenders and get some money; sub prime lenders are going to give you money because they have a business giving money to people with a bad credit score and after bankruptcy.