Get Approved for a Reliable Used Car Today
 Finding a dependable vehicle shouldn’t be stressful — even if you’ve faced credit challenges. Wheel City Auto Finance makes it fast and simple to get approved with flexible Buy Here Pay Here financing and low down payments.
How Our Buy Here Pay Here Financing Works
Apply Online
Tell us a little about yourself using our secure online application.
Receive Your Approval
Our team reviews your information and creates a financing plan that fits your budget — no credit score required.
Choose Your Vehicle
Browse our reliable used cars, trucks, and SUVs, and drive home the same day.
Explore Our Inventory
Every vehicle on our lot is carefully inspected and reconditioned for quality you can trust. Whether you need a fuel-efficient car, a family SUV, or a dependable work truck, we offer affordable options with financing designed for real life.
What Drivers Love About Wheel City Auto Finance
 Our customers are at the heart of everything we do. With decades of experience and thousands of approvals, we’ve helped drivers across Sioux Falls, Rapid City, and Lincoln get dependable transportation — even after credit setbacks
Why Drivers Choose Wheel City Auto Finance
 We believe everyone deserves access to reliable transportation. Since 1993, we’ve helped customers rebuild credit, secure affordable financing, and drive home in vehicles they can depend on.
Quality Inspected
All vehicles undergo a full inspection and reconditioning process before sale.
3-Day Guarantee
3-Day “Like It or Return It” Guarantee on all vehicles.
24/24K Warranty
Every purchase includes a 24-month/24,000-mile limited powertrain warranty.
All Credit Situations
Financing available for all credit situations — including no credit, bad credit, repossessions, and first-time buyers.
Credit Building
Loan payments are reported to major credit bureaus to help rebuild credit.
H.E.A.R.T. Values
Team trained under H.E.A.R.T. values: Honesty, Energy, Accountability, Respect, and Trust.
Drive With Confidence — Our Warranty Has You Covered
Every Wheel City Auto Finance vehicle comes with a 24-month/24,000-mile limited powertrain warranty. Coverage includes the engine, transmission, drive axles, alternator, starter, water pump, radiator, heater core, and head gasket—giving you peace of mind long after you leave the lot.
Ready for a Better Car Buying Experience?
 Start with a fast online application and discover how simple buying a car can be. No pressure, no judgment — just friendly guidance and financing that works for your budget.
Sioux Falls Location
Rapid City Location
Lincoln Location
Frequently Asked Questions
Can I get approved with bad credit or no credit?
Yes. Our Buy Here Pay Here program was designed to help customers in all credit situations.
What do I need for a down payment?
Down payments vary, but we offer low-down-payment options on many vehicles.
Do your vehicles include a warranty?
Yes. Every car includes our 24-month/24,000-mile limited powertrain warranty.
Do you report to credit bureaus?
Yes. On-time payments can help you rebuild credit over time.
Location Contacts & Store Information
Sioux Falls Location
Rapid City Location
Quick Links
About Us