Paying for it
Local banks, and no fee on the last page.
Financing is done through South Dakota local credit unions and national banks, or your own personal financing.
How it works here
There is no finance arm here taking a second bite.
Financing runs through South Dakota local credit unions and national banks — the same institutions you would walk into yourself — or through your own personal financing if you would rather arrange it before you come in.
That matters more than it sounds. A dealership that owns its own lender has a reason to push you toward it. This one does not have one, so the conversation about the vehicle and the conversation about the money stay separate.
And the number does not grow at the end. No documentation or hidden fees charged. No documentation fee, no dealer prep line, no reconditioning charge appearing on the final page.
Before you drive out
Two things worth knowing.
Card payments
We do not accept debit or credit cards.
Their own site says so plainly, so this one does too. Sort out how you are paying before the day you come to collect, and there is no surprise at the desk.
Approval
There is no online application on this site.
They do not run one, so we have not built a form that pretends to. Their words are “stop in or call for details”, and the credit application is done with a person.
This page carries no rates, no terms, no monthly payment estimate and no approval promise, because the dealership publishes none of those and the lender — not the dealership — decides them.
Two lots, two numbers
Ask them what it takes.
The fastest way through this is a phone call: tell them what you are looking at and what you are working with, and they will tell you which way to go about it.