text: how can i get a small, cash loan 1 year after a bankruptcy? my husband and i have always had perfect credit until a business failure 2 years ago.  we had to file for bankruptcy (it was discharged 1 year ago).  does anyone have names of reputable lenders willing to do a small loan -- maybe $2,500? we have been almost a month behind on our mortgage for a year now and i can't seem to catch up.  also, part of the $$ would be for a down payment on a car.  we would try to refinance or get a home equity loan but due to the fact that it is a manufactured home (on 5 acres) lenders seem to turn up their noses on us -- especially since our credit ratings have suffered due to the bk, etc.  any suggestions??  thanks - linbad there is some good info here.