Have you recently filed for bankruptcy, A bankruptcy loan can help you salvage your finances, and can also help to improve your credit rating. It may sound far-fetched, but you can actually be approved for a loan after filing for bankruptcy. Without a doubt it is difficult, but do keep in mind is that immediately after bankruptcy, you are not likely to have any debts, which is about the only factor thats going to be working in your favor at this point. You do not have to apply for a bankruptcy loan before applying for bankruptcy.