Discharged?
You can borrow again.

You can apply immediately in principle — most people are discharged after twelve months — but the first year post-discharge is the hardest. Lenders want to see some clean history since. Six to twelve months of good conduct after discharge makes a noticeable difference.

Realistically, no. During bankruptcy you must disclose your status when borrowing above a set threshold, and mainstream lenders will not proceed. It is generally better to wait for discharge than to collect declines that mark your file.

Six years from the bankruptcy date, and it also appears on the Individual Insolvency Register while active. As with a CCJ, its weight in a decision drops as it ages.

A deposit, stable employment, a settled address history, being on the electoral roll, and evidence of credit handled properly since discharge — even something small like a credit-builder card used and cleared monthly. The vehicle being sensibly priced also matters.

No. Post-bankruptcy lending is priced for risk, so the first agreement will be expensive. But paying it on time is itself the fastest way to rebuild, and people frequently refinance onto much better terms after a couple of years of clean conduct.