Getting approved is easy.  You will need employment that can be verified, and also not be currently involved in a chapter 13 bankruptcy. You will need to present a valid driver’s license, your most recent paycheck stub, a paid phone or utility bill, and your down payment. We value and respect your time, and with these things you can drive away in about an hour! If you are not sure what does and does not qualify feel free to contact us, we are happy to answer any and all questions.  You can also get the process started online to help save some time at www.WheelCityApproves.com!

Our calculations are based on your income and other financial obligations you may have. With that information, we can determine a payment schedule that fits your particular circumstances. That may be weekly, bi-weekly or another plan. Remember, we want to help you any way we can. Unlike traditional car dealerships and banks, we will work with you to examine your current situation. We are more concerned about your future and not your past! We finance all credit histories and we will  work together to figure out a payment plan that you can afford. 

That depends on several factors including the price of the vehicle, credit information, length of time at your residence and employer, and your income. A more significant down payment can improve your chances of obtaining approval sooner depending on the type of vehicle you are wanting to purchase. With a larger down payment your car payments may be lower, and you have the possibility of paying your vehicle off sooner rather than later, which could also help your credit score improve. If you are not sure about how much of a down payment you will need or what you can afford based on your monthly payments, give us a call and we will help you. 

YES. At Wheel City Auto Finance Centers, you can drive your chosen vehicle home the same day! We understand your eagerness to hit the road in your new car, and we’re committed to providing a seamless and efficient process. In most cases, we can make it happen quickly the same day  ensuring you can start enjoying your vehicle right away. 

YES, At Wheel City Auto Finance Centers, we believe in providing financing options for all applicants, regardless of their credit history.  Bankruptcy, repossessions, bad credit, slow pay, or simply a lack of credit history, we can help you get into a newer vehicle today. Our comprehensive in-house process carefully considers your complete application and required documentation, allowing us to tailor a decision that perfectly fits your specific needs. 

At Wheel City Auto Finance Centers, we understand that everyone’s financial situation is unique. While we may consider factors such as credit history, our main focus is on your overall ability to make payments and your current financial stability. We believe in providing opportunities for individuals with various credit backgrounds, including those with less-than-perfect credit or simply bad credit. Our goal is to find flexible financing solutions tailored to your specific needs, so you can drive away in the vehicle you desire. Visit us today and let us help you get on the road to car ownership, regardless of your credit history. 

While it can seem like a never-ending cycle for people with no credit, poor credit or even bad credit, there is a way to improve your credit score. With the help of our local lender, Auto Loan Acceptance Corporation, we can definitely help you establish or rebuild your credit as long as you meet your payment schedule and other responsibilities. We report monthly to the Credit Bureau to help you get back on track to a better credit future.

 Wheel City Auto Finance Centers are proud to serve Rapid City, South Dakota and Sioux Falls, South Dakota as well as Lincoln, Nebraska and the surrounding areas as one of the premier used car dealers with over 20,000 sold and counting. If you are looking to buy a pre-owned used car in South Dakota, Nebraska, or surrounding areas, and need financing, Wheel City Auto is here for you.