Answer: -No you are not hopeless. I am the Special Finance Manager for a dealership in Oklahoma and I assure you that there are several dealers in your area that have Special Finance departments. Look in your local Sunday newspaper in the classified adds and you should have no problem finding one.Now, a couple of hints. Depending on how bad your credit is, you may be required to make a down payment. Most of the banks I use require either $1,000.00 or 10% of the sales price, which ever is less. If your credit is really bad, you may be looking at as much as $2,000.00 to $3,000.00 depending on what type of vehicle you are looking for.Your rate will be high no doubt about it. And most dealers will try and tell you which vehicle you are going to buy. What they are really doing is trying to land you on the vehicle that will make them the most profit. If the vehicle they show you is not what you want? Walk away. Believe me, they will show you others. A smaller profit deal is better than no deal at all.DO NOT GO TO A BUY HERE PAY HERE LOT. 90+% of these places do not report to the credit bureaus so every payment you make to them does nothing to rebuild your credit. Plus they charge you approx. 2.5 times what the vehicle is really worth. -Getting a fresh start is the first step. Theres auto places that deal with high risk credit such as yourself. The interest will be high, but you will be establishing your credit at the same time, all while driving a safe vehcial. -Dont finance a vehicle if it breaks down while your making payments you will still b required to make payments although the car doesnt run.Try to save and buy a used vehicle,for about 500 to 2000 dollars.If u want to rebuild your credit start with a 300$ credit card then move up.