Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - How can i get unsercured credit while in a bankruptcy? - Nowhere that I know of. Plus, you need the approval of the bankruptcy trustee to get any type of loan before your bankruptcy is discharged. That's the problem with a chapter 13 bankruptcy, it can last for 5 years and you aren't left with anything but living expenses each month. So if you end up having an emergency situation (which most people do in a 5-year period) you have no money to cover it. br br While you gain a lot through a chapter 13, it is a very difficult financial plan to complete.