If you have ever been unfortunate enough to have declared bankruptcy you need to be prepared for continual knock backs. Fair Go Finance will consider lending to you if you have entered into bankruptcy more than 12 months ago. Find out the exact date you declared bankruptcy (this can be done by obtaining a copy of your credit report through Equifax Australia) and make note of when it will be a full year.Only then should you considered applying for a bad credit loan and obviously you must have made many changes to the way you handle money/finance. You could contact us just prior to the anniversary purely to find out what our policies are surrounding a declared bankrupt. This way you can start getting organised for what you will need to provide us, and you must be prepared to be highly transparent and forthcoming with all information.