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Your Easy-Credit, Low Down-Payment Car Store

How to Buy the Right Used Car with Bad Credit

by Wheel City Auto
11/3/2015 - Sioux Falls, SD

Buying a used vehicle is the way to go if you’re on a tight budget.  Following the right process can bring many benefits.

The first step is to find a car within your price range. If you have a poor credit rating, you can still find financing to make the purchase. As a buy-here pay-here dealership, Wheel City Auto Centers is reputable and caters to customers who have bad credit.

Be aware that if you have bad credit and apply for a car loan from a buy-here pay here-dealership, you will probably end up with higher than normal interest rates for financing. However, you have to start somewhere on the road to building your credit, and this is a safe and rewarding way to do it.

 To speed the process, fill in the handy pre-approval online application on Wheel City Auto Finance Center’s website, or bring your latest credit report with you. If there are any small payments on things you can make ahead of time to improve your score, make them. Before visiting the dealership, call to confirm whether they have your preferred car in stock and whether you can afford it. Check out the online inventory in Rapid City, Sioux Falls, Brandon, and Tampa locations.

Make a detailed budget for the period of time that you will make payments. Wheel City Auto Finance Centers' online application saves a lot of time with pre-approval.

Of course, making a down payment will result in lower payments. If you chose Wheel City Auto Finance Centers as the dealership to do business with, an added benefit is that making regular payments will boost your credit score—they make monthly reports to credit rating bureaus.


What is a buy-here pay-here dealership anyway?

by Wheel City Auto
11/10/2017 - Sioux Falls, SD
Wheel City Auto Finance Centers owns our finance company. We are the “bank.”

What are common myths and misconceptions about buy-here pay-here dealerships?

by Wheel City Auto
11/8/2017 - Sioux Falls, SD
There is a nasty rumor...

What is a dealership’s process for getting a used vehicle ready to sell?

by Wheel City Auto
11/6/2017 - Sioux Falls, SD
Because we care about you and what you buy from us, we put a 2-year/ 24,000-mile warranty on every car we sell...

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