I have a leased vehicle through Ford Motor Credit (Lincoln) and am in Cpt 13. My lease is paid directly to them, and not through the court. And I have never been late, either before or after the Bankruptcy filing. My lease will terminate before the end of the plan. I wish to buy the car at the residual price , which is near the $25K ceiling. Would Ford Motor credit make me a loan under these circumstances, given that I have been with them for 3 years?

You will of course have to get court persmission (I believe) to get a loan. But really it is up to them, and also it is most likely you will fall outside the credit level guidelines

Do you mean fall outside the credit level guidelines of the court or Ford Mother Credit?

I don't think the court has a credit level guideline, nor do they have anything to do with credit applications, but Ford does and bankruptcies are carried for a number of years by credit reporting companies, and is a question on the credit application. You can be denied on that basis alone, or be subject to a high credit risk loan, which are higher interest rates, or large down payments.

It is solely on Ford's discretion.