Business Details
33 Years
experience
Your Trusted Bad Credit Auto Financing Partner
Founded in 1993, Wheel City Auto Finance Centers have built a reputation as a trusted provider of automotive solutions for customers with diverse credit histories. Our expertise lies in offering in-house financing, bad credit car loans, and low down payment options across multiple locations in South Dakota and Nebraska. With a focus on quality, every vehicle undergoes rigorous inspection and comes with a 24-month/24,000-mile warranty. Our team operates under the H.E.A.R.T principlesHonesty, Energy, Accountability, Respect, and Trustto ensure a customer-centric experience.We maintain a streamlined approval process, allowing qualified customers to drive away in their chosen vehicle the same day. Recognized as South Dakota's Quality Dealer of the Year, we combine extensive industry experience with a commitment to community. Our proprietary financing model eliminates traditional credit barriers while reporting payments to credit bureaus, helping customers rebuild financial standing. We maintain transparent operations with no hidden fees and emphasize long-term relationships over transactional interactions.
Services
Bad Credit Auto Loans
Used Car Sales
In-House Financing
Vehicle Warranty Programs
Credit Rebuilding Services
Details
- Year established: 1993
Highlights and features
- We've specialized in bad credit auto financing since 1993
- Our H.E.A.R.T customer service framework ensures ethical treatment
- 24-month/24,000-mile warranty on all vehicles
- Same-day vehicle approval and delivery available
- Monthly payment reporting to credit bureaus helps rebuild credit
What people say
Helpful staff
Very friendly
Quick approvals
Great vehicle selection
Professional service
Services
Bad Credit Auto Loans
We specialize in providing auto loans for customers with challenging credit histories. Our in-house financing programs accommodate bankruptcy, repossession, and limited credit backgrounds through flexible terms. By focusing on current financial stability rather than past credit issues, we help customers secure vehicle ownership while rebuilding credit through reported monthly payments.
Used Car Sales
Our inventory features thoroughly inspected used cars, trucks, SUVs, and vans with transparent pricing. Each vehicle comes with a 24-month/24,000-mile warranty and a 30-day return option. We maintain quality standards through multi-point inspections and price vehicles competitively to ensure accessibility for all credit types.
In-House Financing
Our proprietary financing model eliminates traditional lending barriers by handling approvals internally. This allows us to tailor payment plans to individual income situations with weekly, bi-weekly, or monthly options. The process requires basic documentation and can be completed within an hour for qualified applicants seeking immediate vehicle ownership.
Vehicle Warranty Programs
We provide comprehensive warranty coverage including 24-month/24,000-mile protection and limited 30-day service guarantees. These programs cover major mechanical components while allowing returns for satisfaction issues within three days post-purchase. Our warranties provide peace of mind without requiring additional third-party coverage.
Credit Rebuilding Services
Through our partnership with Auto Loan Acceptance Corporation, we help customers improve credit scores by reporting timely payments to major bureaus. This service specifically benefits individuals recovering from financial hardships by creating positive payment history while maintaining vehicle ownership.
Questions
Can I qualify for a car loan with bad credit?
Yes, we specialize in working with all credit profiles including bankruptcy, repossession, and limited credit histories through our in-house financing programs.
What documents are needed for approval?
Bring a valid driver's license, recent pay stubs, utility bill verification, and down payment confirmation for same-day approval process.
Are there hidden fees?
No, we maintain transparent pricing with no hidden fees or unexpected charges throughout the purchasing process.
Can I return my vehicle if dissatisfied?
Yes, our Like It or Return It Guarantee allows returns within three days for any reason with no penalties.
How does financing help rebuild credit?
We report monthly payments to credit bureaus through our partnership with Auto Loan Acceptance Corporation to help establish positive payment history.
Can I take my vehicle home the same day?
Yes, qualified applicants can complete the full process and drive away the same day with approved financing and documentation.
Videos
Reviews (6)
Jessica Vargas
Nov 22, 2021
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My experience with Wheel City was absolutely AMAZING!!! The staff was very friendly and just over all great!!! I literally am a very satisfied customer and I will definitely refer friends and family!!! Thank you for giving me the opportunity to have a safe vehicle for my family!!!
Trey Bolduc
Nov 19, 2021
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Worked really well with me. Let me test four different vehicles and got me in one I really liked and in my budget
Phosalae Suriyasak
Nov 13, 2021
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Staff was super friendly and helped me get approved for a vehicle when no one else was willing too! The adorable dalmatian was a big plus also. Thank you again, Wheel City!
Taeran Helton
Sep 20, 2021
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Michelle and Gary were absolutely amazing! With their help I was able to get a car that I know will be dependable for my family! With being a person with no credit it was impossible to find a dealership that would work with me, but these two made it possible! Today I'm leaving with a car that I'll be able to have for years and will help me build my credit to ensure that myself and my children have an amazing future financially. A million thanks to both of them! 1000/10 would definitely recommend them!
Jessica Walters
Jul 31, 2021
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If you are looking for a vehicle but don't have the best credit this is the place to go! The staff were so great to work with! Actually they were amazing! They steered me in the right direction that would be most beneficial for me financially, and they have really nice vehicles to choose from. They are helpful and honest, and I am confident you will be happy your choice to choose them to buy a vehicle!
Bobbie Porter
Jul 27, 2021
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The staff, especially Michelle were absolutely amazing to work with and when I arrive they had everything ready for me! They made this purchase stress free and wonderful! Highly recommend buying your next car from Wheel City! Thanks guys for the great and wonderful service! Thanks so much!
Bobbie
Bobbie