Auto loan after a Chpt 7 BK?

I'm trying to build and establish new good credit and have begun with 3 credit cards and an installment loan that is nearly finished. My scores have went up and it looks that I'm accomplishing something. 2 things, I need a car and want to wait another 6 months hoping that I can get a loan ($18-22K) with a decent APR.I'll be 2 years out from the discharge at that point. Does anyone have a suggestion on how to approach this accordingly, I tried to get an account with a credit union but unfortunately because of the BK or a Chexsystems report I've been denied. I'm looking for suggestions not criticism of the unknown cirstances that forced us into bankruptcy, Honest legal opinions are appreciated.