Financing
Finance Your Next Car or Truck in Spearfish, SD With Auto Choice
Nine lending partners, local credit unions included, a no-credit-check rent-to-own program, and real numbers on the actual vehicle before you commit to anything.
24+
Years on Heritage Drive
300+
Positive local reviews
9
Lending partners
100%
Inspected before listing
Have a Credit Question?
We finance buyers from all over the region — Black Hills State students buying a first car, families in Belle Fourche and Sturgis, commuters from Rapid City, and folks coming over from Sundance. You can use our nine lending partners, or bring your own rate from your bank or credit union and we will work with it.
Find Your Rate. Pick Your Ride.
A fast, secure online pre-approval application. Competitive rates through nine providers, including local credit unions. And no obligation to buy anything.
Application
Apply Online in Minutes
Have these handy and it goes quickly:
- Driver's license
- Proof of income (recent pay stubs)
- Proof of insurance
- Address history
- If you are trading a vehicle in: the title and registration
Same-day answers are typical. Once we have your application, we shop it across our lending partners instead of taking the first answer that comes back.
Auto Loans
Auto Loans for Local Buyers
We work with nine lending partners — including Black Hills Federal Credit Union and Highmark Federal Credit Union, plus national banks — so there is more than one path to a yes.
First-time buyers
No credit file yet? We have lenders who work with that, and a rent-to-own program if it makes more sense.
Rebuilding credit
After a bankruptcy or a repossession, there is still a path. We have done this a lot.
Self-employed & ranchers
Income that does not fit a standard pay stub is normal here. We know which lenders understand it.
Local businesses
Work trucks and vans for local outfits, financed on terms that fit the job.
Whatever your situation, we show you the real rate, term and payment on the actual vehicle before you commit. If waiting a few months or putting more money down would save you real money, we will tell you that too. And if you would rather just sell us your vehicle, we will appraise and buy it outright — no purchase necessary.
Bank & Credit Union Financing
The standard path, and the cheapest one for most buyers. Terms typically run 36 to 84 months. Putting 10–20% down, or bringing trade equity, usually improves your rate. If you walk in with an outside pre-approval, we will try to match or beat it.
Our Rent-to-Own Program
No credit check. It is based on your income and your down payment. Payments come directly to Auto Choice on your pay schedule, and the vehicle is yours at the end of the term.
This works well for buyers coming out of a bankruptcy or repossession, buyers with no credit file at all, and anyone who needs transportation now and cannot wait on a bank.
Reviews
Hear From Your Neighbors
Twenty-four years, 300+ positive local reviews, and financing stories across every kind of buyer — first cars, work trucks, and second chances.
“Third truck we've bought from Auto Choice. They had the history report ready before I even asked, and they told me what the truck would need in the next 20,000 miles instead of letting me find out on my own.”
“I needed something that would start in January and get me over to Rapid City every day. They put me in an AWD crossover, showed me the real payment before I signed anything, and handled the title paperwork.”
“Credit wasn't great after a rough couple of years. The rent-to-own program got me driving the same week and nobody made me feel bad about it.”
Find Your Rate. Pick Your Ride.
A fast, secure online pre-approval application, competitive rates through nine providers including local credit unions, and no obligation to buy.
Or call us at (605) 642-2886 — toll-free (888) 798-0284.
Questions? Call Auto Choice at (605) 642-2886.