After bankruptcy, it can be quite difficult to get any sort of loans leave alone long term unsecured personal loans. However, do not get disheartened because there are some lenders who are willing to lend money to people after past bankruptcy.
In order to get long term unsecured loans for past bankruptcy, the main requirement is your credit score. There is no doubt that you will have a low credit score because of the bankruptcy but if the bankruptcy was your last delinquency, your credit score should have improved over time. However, if you had too many delinquencies prior to the bankruptcy and you still have a low credit score, then you should make sure that you convince the lender that the bankruptcy was due to unfortunate events and not because of your bad credit behavior.
In order to get long term unsecured personal loans for past bankruptcy, your credit history is important for the lender too. The history following your bankruptcy will be carefully scrutinized and it should show no late or missed payments. This will greatly increase your chances of getting the loan.
However, each lender has different requirements when it comes to long term unsecured personal loans. There is no regulation to control this and lenders are free to lend to anyone and take as much risk as they want. But there is a limit on the interest rate and most lenders find a loophole in the system to charge more by charging borrowers additional fees and miscellaneous costs.