Buy Here Pay Here Financing Made Simple
Everyone deserves a dependable vehicle, no matter their credit history. At Wheel City Auto Finance, our in-house financing makes it easy for customers with no credit or bad credit to get approved and drive home today.
What Is Buy Here Pay Here Financing?
Buy Here Pay Here (BHPH) financing allows customers to make payments directly to the dealership instead of a bank. This makes the process faster, more flexible, and accessible for buyers who may not qualify for traditional auto loans.
Our team at Wheel City Auto Finance works one-on-one with each customer to help secure a loan that fits their budget and current financial situation.
Key Features of BHPH Financing:
• No credit or bad credit is accepted
• Easy qualification requirements
• Payments designed around your income schedule
• Fast approvals with minimal paperwork
• A straightforward process with no third-party lenders
How It Works at Wheel City Auto Finance
Step 1
Apply Online
Complete our simple application to get started. It only takes a few minutes.
Step 2
Get Approved
Our team reviews your application and creates a financing plan that works for you.
Step 3
Drive Away
Once approved, choose your vehicle and drive home the same day.
Why Choose Wheel City Auto Finance for BHPH?
When you choose Wheel City Auto Finance, you’re choosing a dealership that understands your needs and works hard to make car ownership accessible.
Our BHPH Program Offers:
-  Direct financing — no banks or middlemen
- Same-day approvals available
- Low down payment options
- Friendly, supportive staff
- Transparent terms and clear payment plans
- Wide selection of reconditioned vehicles
- 24-month/24,000-mile limited warranty on every car
- Credit reporting to help you build or rebuild credit
Take the First Step Toward Your Next Car
Don’t let credit challenges hold you back. With Wheel City Auto Finance, you can get approved quickly and drive home a dependable vehicle. Our team is here to help you through every step of the process.
Find a Wheel City Auto Finance Location Near You
Visit any of our dealerships to explore vehicles, finalize your financing, or speak to our team in person.
Sioux Falls Location
Rapid City Location
Lincoln Location
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Sioux Falls Location
Rapid City Location
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