Business Details
33 Years
experience
Trusted Auto Financing for Bad Credit in Sioux Falls
Since 1993, Wheel City Auto Finance Centers have been dedicated to providing accessible auto financing solutions for customers with diverse credit histories. Our mission is to ensure that past financial challenges do not prevent individuals from obtaining reliable transportation. We specialize in Buy Here Pay Here financing, offering low down payment options and flexible terms tailored to individual financial circumstances. Our inventory features a wide selection of certified used vehicles, each backed by a 24-month/24,000-mile warranty and a 30-day/1,000-mile satisfaction guarantee. Our team adheres to the H.E.A.R.T. valuesHonesty, Energy, Accountability, Respect, and Trustto deliver a customer-centric experience.Recognized as South Dakota's Quality Dealer of the Year, we prioritize transparency, ethical practices, and long-term customer relationships. With locations in Sioux Falls, Rapid City, and Lincoln, we serve thousands of customers annually, helping them rebuild credit and achieve vehicle ownership.
Services
Bad Credit Auto Loans
Buy Here Pay Here Financing
Used Car Sales
In-House Financing
Vehicle Warranty Programs
Details
- Year established: 1993
Highlights and features
- We have over 30 years of experience in bad credit auto financing.
- Offering 24-month/24,000-mile warranties on all vehicles.
- Low down payment options for budget-conscious buyers.
- In-house financing approval process completed in under an hour.
- Award-winning customer service with a 4.8 Google rating.
What people say
Friendly and welcoming
Super easy financing
Polite and helpful
Quality vehicles
Award-winning service
Services
Bad Credit Auto Loans
Our bad credit auto loans provide financing solutions for customers with poor or no credit history. We specialize in in-house approvals without traditional credit checks, focusing on income verification and employment stability. This service enables customers to purchase reliable used vehicles while rebuilding their credit through timely payments reported to credit bureaus.
Buy Here Pay Here Financing
Buy Here Pay Here financing allows customers to complete both vehicle purchase and loan approval at our dealership. This streamlined process eliminates third-party lenders, offering flexible payment schedules (weekly, bi-weekly) tailored to individual budgets. Ideal for those seeking guaranteed approval without traditional credit requirements.
Used Car Sales
We offer a wide selection of certified used cars, trucks, SUVs, and vans with transparent pricing and low down payment options. Every vehicle undergoes rigorous inspection and comes with a 24-month/24,000-mile warranty. Our inventory includes fuel-efficient sedans, family-friendly SUVs, and durable trucks for diverse customer needs.
Vehicle Warranty Programs
Our warranty programs provide coverage for mechanical breakdowns and essential components beyond the initial purchase. The 24-month/24,000-mile warranty and 30-day/1,000-mile satisfaction guarantee ensure peace of mind. Customers can return vehicles within three days for any reason under our Like It or Return It policy.
Credit Rebuilding Assistance
We help customers rebuild credit through structured payment plans reported monthly to major credit bureaus. By partnering with Auto Loan Acceptance Corporation, we offer tailored financing that prioritizes long-term financial health. This service includes personalized guidance to improve credit scores through consistent payment history.
Questions
Can I get approved for a car loan with bad credit?
Yes, we specialize in bad credit financing with in-house approvals based on income verification rather than traditional credit scores.
What documents are required for financing?
Bring a valid driver's license, recent paycheck stub, utility bill, and down payment. Most approvals complete in under an hour.
Do you offer warranties on used vehicles?
All vehicles include a 24-month/24,000-mile warranty and a 30-day/1,000-mile satisfaction guarantee.
Can I return my vehicle after purchase?
Yes, our Like It or Return It policy allows returns within three days for any reason.
Are trade-ins accepted?
Yes, we accept trade-ins to reduce down payment requirements and simplify the purchasing process.
Do you report payments to credit bureaus?
Yes, we report monthly payments to major credit bureaus to help customers rebuild their credit history.
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