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Step 1
After a Bankruptcy you may have to pay a higher interest rate because the lender will look at your as a higher risk for them and they will charge a few points more than a traditional loan. The most important thing to do is to shop around and do not take any loan because some lenders will over inflate the rate and you should not be taken advantage of. They may look at you as a higher risk but that does not mean that you are going to default on a new loan.
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Step 2
You may also be required to pay higher fees on your loan for example you may be required to pay much higher late fees. Also a credit card company may charge you a higher annual fee for the use of its card. Just make sure again that you compare rates and do not pay fees that are too high.
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Step 3
When getting a new loan after Bankruptcy the lender may require that you put up some collateral on your loan like a car or a house so that the loan is secured in case you do default on it. Also a credit card company may require a cash deposit for use of its credit card for the first year or so.
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Step 4
The most important thing to remember is that you need to be informed about what type of loan you get and remember that you situation can and will improve.
