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You cannot file a Chapter 7 for two more years (it goes by the filing date of the Chapter 7 and not by the discharge date). You can file a Chapter 13 and pay in the plan whatever you can afford according to your budget which may be all or very little depending on your income and necessary expenses.

I gather from this question that what you are saying is that you are in a 5 year Chapter 13 plan, so that in the third year now you are not yet near the finish line. Your vehicle is quite old with significant mechanical problems and it is not financially prudent to repair it and therefore you wish to purchase a replacement vehicle, which you hope to finance. You also understand that in order to take on new debt(s) while in a chapter 13, such debt(s) must first be approved by the court. You will need to file a motion to get permission prior to financing. As long as the replacement vehicle you are considering is reasonably priced and a dependable vehicle is necessary for you to get to and from work, such motions are generally approved. To be certain as to the answer to this question you'll have to file your motion.