I just totalled my car last night. No insurance. oops I meant I have bad credit and need a car loan or something as I have no savings. What should I do? Or where should I apply?
That would sort of depend on how bad your credit is. You may have to get someone to cosign, find a car that you can afford and pay-in-full, or even go to a "Buy Here, Pay Here". Update: You can signup for a free trial of ScoreWatch at myFico.com and find out a nice bit of information about how your credit is, so that you have a good idea on your possibilities.
If you have bad credit the last thing you should be worried about is getting another loan. Find a cheap car you can afford and try get financing for that. Don't get to carried away with things you know you can't afford.