Fast and Flexible Auto Financing for Every Credit Situation
Buying a car should be simple — even if you’ve faced financial setbacks. At Wheel City Auto Finance, our in-house Buy Here Pay Here program makes approvals quick and stress-free, with low down payments and options built around your budget.
Why Our Buy Here Pay Here Program Works
Our financing program is designed for real people with real challenges. Whether your credit is rebuilding or just getting started, our team creates a plan that makes sense for your life.
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Key Benefits:
- Â Fast approvals with minimal paperwork
- Low down payment options
- Flexible payment schedules
- No minimum credit score required
- Designed for first-time buyers and returning customers
What You Need to Apply
Getting approved is simple. Just bring a few basic documents and our team will guide you through the rest.
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Requirements:
- Valid driver’s license or state ID
- Proof of income (pay stubs, bank statements, award letters)
- Proof of residency (utility bill, lease, or mail)
- Down payment (varies by vehicle)
We Approve All Credit Types
Life happens — and we don’t believe past financial challenges should prevent you from getting reliable transportation.
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We Approve:
• No credit
• Bad credit
• Repossessions
• Bankruptcy (open or discharged)
• Limited credit history
• First-time car buyers
• Customers rebuilding credit
Frequently Asked Questions About Financing
Yes. Our Buy Here Pay Here program is built for customers with bad credit, no credit, or previous financial challenges.
We primarily look at your income, residency, and ability to make payments — not your credit score.
Down payments vary by vehicle, but we offer many low-down-payment options.
 Yes. On-time payments can help rebuild or establish your credit history.
Most customers receive an approval decision the same day, often within minutes.
Yes. Bring your trade-in for a quick appraisal and we can apply the value toward your down payment.
Yes. Every vehicle includes our 24-month/24,000-mile limited powertrain warranty.
Your Path to Approval Is Simple
Step 1
Apply Online
Start the process with our quick approval form. No obligation, no pressure.
Step 2
Get Matched With a Financing Plan
Our team reviews your information and designs a plan that fits your budget.
Step 3
Choose Your Vehicle and Drive Home
Select from our reconditioned inventory and take home your vehicle the same day.
Visit a Wheel City Auto Finance Location
Find affordable used cars and flexible financing at a location near you. Our Sioux Falls, Rapid City, and Lincoln teams are ready to help you get approved and on the road today.
Sioux Falls Location
Rapid City Location
Lincoln Location
Location Contacts & Store Information
Sioux Falls Location
Rapid City Location
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