Your Easy Credit, Low Down Payment Car Store!
GET APPROVED EVEN WITH LESS THAN PERFECT CREDIT
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Financing your vehicle has never been easier
Buying a car isn’t always easy. Finding the right used car, truck, SUV, or van for sale can be difficult, but getting approved for auto financing is even harder if you have bad credit or no credit history. At Wheel City Auto Finance Centers, we understand that life happens, and we believe that past financial challenges shouldn’t stop you from driving a quality used car. That’s why we offer Buy Here Pay Here financing in Sioux Falls, Rapid City, and Lincoln, helping customers secure bad credit car loans with low down payments and flexible terms.
Since 1993, Wheel City Auto Finance Centers have helped thousands of people get the cars they deserve with in-house auto financing that works for all credit situations. Whether you’re searching for a no credit check car dealership in Sioux Falls, bad credit auto financing in Rapid City, or Buy Here Pay Here in Lincoln, we make it easy to get approved and drive home today. Apply online now and let us help you get behind the wheel!
Like-new used cars
When it comes to easy-credit, low down-payment car stores, most people don’t expect much in the way of quality vehicles. Even though we offer lines of credit to nearly everyone who walks through our doors, our used car dealerships take the quality of our vehicles seriously.
Every single one of our vehicles is backed by a 24-month/24,000-mile warranty and a “Like It or Return It Guarantee.” That means you can return the vehicle for any reason up to three days after driving it off the lot.
Our goal is to make your car buying experience enjoyable, which means offering outstanding cars at affordable prices. We are very thankful for the huge percentage of repeat and referral customers that come back to Wheel City Auto time and time again because we’ve earned their trust.
Helpful staff
The stereotype of used car salesmen isn’t always a positive one. Many times they are more concerned about just making the sale versus finding you the right vehicle for your particular needs. At Wheel City we do things differently and we will prove it. We are here to earn your business now and into the future.
Our core values ensure that you have a pleasant experience every single time you visit one of our locations. We’re so serious about treating our customers right that every single one of our staff members follows the acronym H.E.A.R.T. which stands for:
- Honesty
- Energy
- Accountability
- Respect
- Trust
As a matter of fact, our dependable vehicles and outstanding service have won us the South Dakota “Quality Dealer of the Year” award!
Wheel City Auto Finance Centers have the cars and the credit you need to get you back on the road, from a used car dealer that wants to earn your business now and in the future.
A better way to buy a car
We take pride in assisting customers who find themselves in the following situations:
- First Time Buyers
- Bankruptcy
- Troubled Payment Histories
- ZERO Credit
- Repo's
- Student Loans
- Identity Theft
- No credit or Low Credit Score
- Difficulty Proving Income
- Child Support
South Dakota's #1 Premier Auto Dealership
Common Questions
Getting approved is easy. You will need employment that can be verified, and also not be currently involved in a chapter 13 bankruptcy. You will need to present a valid driver’s license, your most recent paycheck stub, a paid phone or utility bill, and your down payment. We value and respect your time, and with these things you can drive away in about an hour! If you are not sure what does and does not qualify feel free to contact us, we are happy to answer any and all questions. You can also get the process started online to help save some time at www.WheelCityApproves.com!
Our calculations are based on your income and other financial obligations you may have. With that information, we can determine a payment schedule that fits your particular circumstances. That may be weekly, bi-weekly or another plan. Remember, we want to help you any way we can. Unlike traditional car dealerships and banks, we will work with you to examine your current situation. We are more concerned about your future and not your past! We finance all credit histories and we will work together to figure out a payment plan that you can afford.
That depends on several factors including the price of the vehicle, credit information, length of time at your residence and employer, and your income. A more significant down payment can improve your chances of obtaining approval sooner depending on the type of vehicle you are wanting to purchase. With a larger down payment your car payments may be lower, and you have the possibility of paying your vehicle off sooner rather than later, which could also help your credit score improve. If you are not sure about how much of a down payment you will need or what you can afford based on your monthly payments, give us a call and we will help you.
YES. At Wheel City Auto Finance Centers, you can drive your chosen vehicle home the same day! We understand your eagerness to hit the road in your new car, and we’re committed to providing a seamless and efficient process. In most cases, we can make it happen quickly the same day ensuring you can start enjoying your vehicle right away.
YES, At Wheel City Auto Finance Centers, we believe in providing financing options for all applicants, regardless of their credit history. Bankruptcy, repossessions, bad credit, slow pay, or simply a lack of credit history, we can help you get into a newer vehicle today. Our comprehensive in-house process carefully considers your complete application and required documentation, allowing us to tailor a decision that perfectly fits your specific needs.
At Wheel City Auto Finance Centers, we understand that everyone’s financial situation is unique. While we may consider factors such as credit history, our main focus is on your overall ability to make payments and your current financial stability. We believe in providing opportunities for individuals with various credit backgrounds, including those with less-than-perfect credit or simply bad credit. Our goal is to find flexible financing solutions tailored to your specific needs, so you can drive away in the vehicle you desire. Visit us today and let us help you get on the road to car ownership, regardless of your credit history.
While it can seem like a never-ending cycle for people with no credit, poor credit or even bad credit, there is a way to improve your credit score. With the help of our local lender, Auto Loan Acceptance Corporation, we can definitely help you establish or rebuild your credit as long as you meet your payment schedule and other responsibilities. We report monthly to the Credit Bureau to help you get back on track to a better credit future.
Wheel City Auto Finance Centers are proud to serve Rapid City, South Dakota and Sioux Falls, South Dakota as well as Lincoln, Nebraska and the surrounding areas as one of the premier used car dealers with over 20,000 sold and counting. If you are looking to buy a pre-owned used car in South Dakota, Nebraska, or surrounding areas, and need financing, Wheel City Auto is here for you.
Hassle-Free Easy Financing Options
No Hidden Fees Ever
Trade Ins
Vehicles You Can Trust
Low Down Payment Options
Referral Program
We Get Almost Everyone Approved
Warranty AVAILABLE!
We hand pick our selection of premium vehicles and fully inspect them. You will be proud of your new purchase and drive happy with piece of mind!
Refer a Friend and Earn!
Refer a friend or relative that purchases their next vehicle from Wheel City and earn extra cash. We appreciate our customers!
Find the Perfect Vehicle For You. Check out our inventory now.
Buy Here Pay Here Sioux Falls, SD
Looking for a Buy Here Pay Here dealership in Sioux Falls, SD? Wheel City Auto offers bad credit car loans with guaranteed approval and no credit check financing. We specialize in in-house auto financing, helping you buy a car with bad credit in Sioux Falls. Whether you’re searching for affordable used cars, low down payment options, or fast car financing, our dealership has the best selection of reliable used cars. Apply today and drive away with a bad credit auto loan in Sioux Falls—your trusted no credit car dealership!
Buy Here Pay Here Rapid City, SD
Wheel City Auto makes it easy to buy a car with no credit in Rapid City, SD! As the top Buy Here Pay Here dealership in Rapid City, we provide bad credit car financing with low down payments and fast approvals. If you’re struggling to get approved at other car dealerships in Rapid City, our no credit check auto financing ensures you can still get a quality used car. Visit us today for in-house financing in Rapid City and find the best affordable used cars with bad credit approval!
Buy Here Pay Here Lincoln, NE
Need a Buy Here Pay Here dealership in Lincoln, NE? Wheel City Auto is your go-to bad credit car dealer with no credit check auto loans and easy in-house financing. Whether you’re looking for low down payment used cars, guaranteed auto financing, or affordable car loans for bad credit in Lincoln, we have options to fit your budget. Don’t let bad credit stop you—apply today and drive away in a reliable used car with instant approval in Lincoln!
Wheel City Auto Finance
Wheel City Auto Finance Centers are proud to serve Sioux Falls, South Dakota; Rapid City, South Dakota as well as Lincoln, Nebraska and the surrounding areas as one of the premier used car dealers with over 20,000 vehicles sold. If you are looking to buy a pre-owned used car in Sioux Falls, SD; Rapid City, SD or Lincoln, Nebraska and are in need of easy financing, Wheel City Auto is here for you.