Answer: -Look for the cheapest car you can find rather than an SUV that is going to cost you more in the longrun with monthly payments, gas and insurance. -You need to find a buy here pay here used car lot near you. They specialize in bad credits and reposessions so you can get a good used car with a small down payment. It also depends on where you are from as to what is available. Around here there is a J.D. Byryder, Easy Credit Auto Sales, Court street motors, A1 Motors, and some more. -So you straw purchased a vehicle for your sister and your other car was repoed less than a year ago. Not good, but yes you can be approved for a loan but it will take a large down payment $2,500.00 to $3,000.00 and you will be looking at a small car not a S.U.V.. Your interest rate will most likely be the State max. and you will have to prove your income, residence, phone bill andprovide references. And do not go to a buy here pay here lot, they do not report to the credit bureaus so all of the payments you make will do nothing to improve your credit.