Your chances of getting a car loan are GREAT, at the bottom of the barrel. Buy-Here_Pay_Here lots will ALAWAYS finance you IF you have a big enough down payment. You are not in a good position to get loans now, better get creative.
The difference is that one is for your vehicle (car) and the other is for your home. For both you are being loaned money and will need to pay them back but basically that's the difference.