Finding a website that allows you to approach all of these lenders and dealers from one place simplifies the process. You can apply online and get contacted by a lender to discuss the specifics of your credit. Sometimes you will not have the option to purchase a new vehicle and may have to choose from the vehicles offered to you. Having a previous repossession does not mean that you can never own a vehicle again. It just means that you will have to work a little harder to prove that you are a desirable and trustworthy loan applicant.