Two months of late payments on two credit cards won't damage your credit bad enough to get rejected everywhere. Something doesn't add up. You either don't have enough credit or aren't telling the entire story.

Try to get a loan through a bank or credit union. You may have to get a signature loan at a higher interest rate than an auto loan, but it will get you on your way. If you ask the bank, you may be able to refinance the loan at a better interest rate down the road when you can get your credit back on track.

While you're in Oklahoma and aren't able to look at cars, research ways to constructively build and repair your credit. Then you'll be on track for better loan rates when you're back in the area and seriously looking for loans.