About Wheel City Auto Finance Centers
Providing Reliable Transportation Since 1993
Years in
Business
Wheel City Auto Finance Centers was founded with a simple mission: to make dependable, affordable transportation available to everyone — regardless of past credit challenges. Over the years, we’ve helped thousands of drivers in Sioux Falls, Rapid City, and Lincoln get back on the road with flexible financing, reliable vehicles, and customer-first service.
For more than three decades, we’ve become a trusted leader in Buy Here Pay Here auto financing, offering second chances, fair terms, and a transparent, supportive buying experience.
What Makes Wheel City Different
Below are just a few of the reasons customers choose Wheel City Auto Finance Centers year after year.
1. All Credit Applications Are Accepted
Been turned down before? We specialize in second chances. Whether you have no credit, poor credit, or are rebuilding from past financial setbacks — we work hard to say yes.
2. We Trade for Anything of Value
Running or not, we want your trade. Cars, trucks, motorcycles, equipment — if it has value, we’ll consider it. We may even purchase your used vehicle outright.
3. Large Selection of High-Quality Vehicles
We offer a wide inventory of hand-selected, reconditioned cars, trucks, vans, and SUVs. Our inventory changes daily, giving you new options every time you visit.
4. A Fun & Friendly Atmosphere
Buying a car shouldn’t feel stressful. Our team focuses on honesty, respect, professionalism, and creating a welcoming experience from start to finish.
5. 72-Hour / 200-Mile Return Guarantee
Shop with confidence. If you’re not completely satisfied with your vehicle, you can return it within 72 hours or 200 miles (whichever comes first).
6. BBB Honor Roll Member
Wheel City Auto Finance Centers has been consistently recognized by the Better Business Bureau for our commitment to customer service and ethical practices.
7. We Report to the Credit Bureau
Your payments help rebuild your credit. We report to major credit bureaus monthly to support long-term financial improvement.
8. Flexible Payment Plans
Budgets vary — and so do our payment plans. We tailor payment schedules to align with your paydays and financial situation.
9. Service After the Sale
Every vehicle comes with a 24-month/24,000-mile limited powertrain warranty. Our goal is to keep you driving confidently long after your purchase.
10. Friends & Family Referral Program
Earn cash for each person you refer who purchases a vehicle. There’s no limit to how many bonuses you can earn.
Our Commitment to Customers
Since day one, our values have been rooted in honesty, respect, and trust. We built our business by helping customers who needed more than a car — they needed a second chance. That philosophy guides everything we do today:
- Simplifying the approval process
- Keeping payments affordable
- Delivering dependable vehicles
- Supporting credit rebuilding
- Standing behind our warranty
- Providing exceptional customer service
We succeed when our customers succeed.
Location Contacts & Store Information
Sioux Falls Location
Rapid City Location
Quick Links
About Us