How long after filing bankruptcy am I required to wait before applying for a loan?

It depends on which chapter you filed, which you have not disclosed for some reason. If a lender is willing to lend you money, then you can take out a loan.  However, in most Chapter 13 cases, you cannot borrow beyond a certain amount without court approval. You have a bigger problem, in my opinion, however.  You filed a bankruptcy presumably to eliminate your debts.  Then less than a month after, you borrowed more money, and now you want to take out another loan to pay off those loans.   You are in a never-ending cycle that bankruptcy cannot fix for you.  You need to really sit down with someone who can help you understand how to manage your finances (such as an accountant, financial planner, etc.), or you will be chasing your financial tail the rest of your life. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.