The path to vehicle ownership varies significantly based on how you filed:
Because this involves a multi-year repayment plan, you are generally prohibited from taking on new debt without court approval . If a vehicle is necessary for work or essential needs, you can petition the bankruptcy court to allow the purchase during the 3-to-5-year plan. Once the plan is completed and discharged, you may buy a car without anyone's permission. Can I Buy a Car After Bankruptcy? - Debt.org
You can technically apply for financing the day after your filing, and some specialized lenders may even solicit your business immediately. However, most traditional lenders require you to wait until you receive your official discharge notice , which typically arrives about 90 days after your 341 meeting of creditors.