When you do not pay your bills on time your credit will be affected negatively, and so you can only imagine what happens when you go through and file for bankruptcy. One of the biggest questions that people have before going through and filing bankruptcy is whether or not they would be able to get a personal loan after bankruptcy or auto loan after bankruptcy. There is really no single answer to this, as it will depend on your personal situation and so while one person may be able to get a personal loan after bankruptcy, another may not be able to.  It depends on your ability to pay back the loan. Some people got themselves in trouble but still have a substantial income and have an ability to pay after their debts are wiped clean.