Many bankruptcy lenders will allow individuals to apply online instantly. What is important to remember, is that it is the consumer's responsibility to research the lender to make sure they are a reputable company. Although bankruptcy may make the consumer feel desperate and that they have no options but to accept the first offer that comes along, this should not be the course of action. Bankruptcy is a mark on one's credit, but it certainly is not as damaging as one may imagine. Furthermore, just because you filed for bankruptcy in the past, it does not mean that you, the consumer, do not merit fair treatment.
When reviewing bankruptcy loan offers, be sure to read the offer in its entirety; research the lending institution, and comparatively shop around before you sign any agreement. The Better Business Bureau is a good place to check to see if the lending institution has any complaints lodged against it. You may also want to check with your state's Attorney General's Office before you do business with any lender.
A bankruptcy loan application usually requires the standard information (employment, finances, housing, etc.) in order to be considered for a loan. Many lenders will still check your credit, because they want to see how long ago you filed for bankruptcy and if you have started to make an attempt to keep your credit clean.