My catera has milky creamy stuff inside the oil, every warning light is on, but now it doesn't start at all, There's also alot of loose wires

What kind of vehicle? Model?, Engine? Engin light on? Water in the oil?(look for creamy yellowish stuff under the oil fill cap and dipstick. Need more info.

This indicates water is getting into the oil. Bad news. It could be a faulty head gasket. You need a mechanic to identify and fix the problem.

YOU MAY HAVE A BLOWEN HEADGASKET OR INTAKE......ANTIFREEZE IS MIXING WITH YOUR OIL.....THATS WHAT GIVES YOU THAT MILKY COLOR ON YOUR DIP STICK....BUT IF YOU JUST CAUGHT IT ,,,IT CAN BE FIXED WITH OUT SPENDING ALOT OF MONEY

Unfortunately this will be kind of hard but, it sounds like you may have a blown head gasket depending on where on the passenger car it's leaking? Drive the car get it hot. Leave it running get out and pop the hood. Start looking for leaks. Use a powerful flashlight to help look. If it doesn't leak while you're driving and only after the car is shut off then I'd say you're creating a vacuum in the coolant system, change your coolant cap at that point.

sounds like you have a blown head gasket or either a broken piston ring. Check oil to see if it looks milky or creamy colored if so you have water and oil mixing.

it is normal to have that paste stuff on the underside of your oil cap and some on the tube the cap goes on. this is condensation it goes to the highest points in the engine alot of short trips makes this worse
if the oil thats drained out looks like regular dirty old oil then dont worry about it
if it looks pastie white then you got trouble

you may have too much oil in your car, or the wrong kind. Your spark plugs/ wires may be bad.. IF IT WAS ME... I WOULD FIRST. Check the oil, is it a clear color like brown or a milky creamy brown?? You may have a blown head gasket, if your oil is creamy brown you have water in your oil and the head gasket is blown or in the process of blowing.

Ouch!
White smoke means water (steam) in the engine cylinders, coming from the cooling system....
broken head gasket or cracked cylinder wall.

1998 - you might want to temporarily use an engine sealer. AutoZone can advise which is best for plugging a head gasket leak.
It will need to be replaced ($200+) and get valve job done ($100) at an ato parts store that has a machine shop, since the valve head must be removed to replace the gasket between thr head and the engine block.

Not likely, but it could be water in your gas tank. Did you just fill up?
or was the car driven with an over-heated engine?

Look at the opil dipstick. There will be a milky substance in the oil. That's water mixed with oil.
--- sorry ---

It is not a bad sensor, if
1-Inside your OIL cap has some milky stuff as a result from water mixing with oil from overheat.
2- You are losing water.
If both are happening, you have a blown head gasket. Bad news
If non of these happens, your are good, just replace the thermostate. Good luck.

If you are losing fluid and you do not see it on the floor it is going either of two places. In the oil or out the tailpipe. The fluctuations you see and the fan going on and off is the result of low fluid levels. Sometimes the sensors are touching the fluid and sometimes it is not. It sounds like the head gasket is bad. Check the oil filler cap and dipstick for white milky creamy stuff. If you see it the water is going into the oil and is destroying the lubricating properties of the oil and will destroy the motor if not taken care of. Change the oil very often until it is fixed. If there is no milky stuff it is likely leaking to the exhaust which is not as bad but still needs to be fixed. If you pressure test the radiator system it will likely loose pressure slowly if the gasket is bad.