For those who have had to file for bankruptcy and think that there is not end in sight, there are things you can do to regain your financial freedom. The good part is, the competition for new loans is great so any lender that wants to turn you down knows there is someone else that will accept you. Even though you filed for bankruptcy last week in no way means you cannot apply for a loan tomorrow.
Your circumstance for filing can play a part in how soon you an get a loan. If it was because of a major illness for instance, that would justify your need for a loan right away and a sympathetic lender will see this.
Another lender may want to look closely at your finances but just that fact that they will take time to look is a good thing. Having steady employment at the same place for a number of year will certainly help your case. A home loan should wait a while because you will end up with a high interest rate. By making on time payments on a regular credit card will slowly build your credit again, it will just take time. If a second card can be obtained, so much the better for you.