re-establishing credit after bankruptcy...

Hello everyone,

I'm new to this group and the reason I joined was to
possibly get some insight as to re-establishing my
credit. I filed my chapter 7 last September and it
was discharged in full in December... In the meantime,
I have been approved for 3 low-limit credit cards
which I am using... Each month I pay way more than the
minimum required payment, but I do revolve about 20%
of the available credit, as I've heard this is the
best way to ensure positive reporting to the credit
bureaus. Now that I'm about a year out from the
Chapter 7, I am beginning to think about applying for
an automobile loan. I spoke to the bank where I have
my accounts, and after they heard previous bankruptcy,
the fella behind the desk literally threw his hands up
as if to say 'sorry, no-can-do!'. So, i've been
searching the net for non-traditional lenders, but
most offer such high interest rates, that I just can't
bring myself to do it.

Has anyone out there had a good experience with a auto
loan lender that they could share with me?

Thanks so much...

Glenn...