In terms of the Chapter 13, if you need to purchase a vehicle during the program, you will need to seek court authorization. This is not a difficult or complicated process and our lawyers will assist you. Your attorney will provide you with lists of dealerships that are familiar with the process.With the Chapter 7, you can pursue the purchase of a vehicle as soon as you get your discharge. You will need the necessary income. You may initially be charged a higher rate of interest but not an exorbitant rate.