Yes, With an approved application you can pick vehicles from any of our locations.
You can also travel to our other lots to view inventory, but we recommend you do the application before hand at the lot closest to you prior to starting your search.
Yes, Cars-N-Credit will finance you. We understand that good people sometimes have problems with their credit. We provide second chances to people who need basic, dependable transportation, and meet our simple program guidelines.
Cars-N-Credit specializes in financing with low down payments. It depends on which car, truck or minivan you’re purchasing. We offer financing with as little as $100 down on some vehicles.
Our financing is based on reasonable payday payments. We offer weekly, biweekly, semi-monthly and monthly payments. Setting them up depending on how the customer gets paid.
Start by filling out and submitting our online application, or stop in at the Cars-N-Credit store nearest you. We base our approvals on simple pre-qualifications; MN, WI or IA valid drivers license (depending on where you live). Physically living within our financial area, time at the same residence, your time on the job, ties to the area (you must live and work within 30 miles of the Cars-N-Credit store nearest you, stores may vary a little depending on the location) your ability to pay, and the honesty and accuracy of the information you give us.
You will need:
- Valid MN, WI, or IA drivers’ license
- Proof of income (check stub)
- Proof of residency (rent receipt or a copy of a utility bill)
- A few personal references (name, address, phone number)
- Proof of insurance at the time of the sale
Usually we can have your loan application approved and you’ll be back on the road in your new vehicle in just a couple of hours or less.
Yes. We require full coverage insurance on the vehicle you’re purchasing at the time of the sale.
Yes! Cars-N-Credit offers a 24 month or 24,000 mile limited warranty on most vehicles at no extra cost. This warranty covers the basic power train (engine, transmission, drive axle) plus the alternator, water pump, the starter, and much more! Read more about warranty.
As with all vehicle purchases, the customer is responsible for repairs and maintenance after the warranty has expired. All used vehicles will someday need repairs. We do try to help our customers whenever we can to find the most affordable means of repairing their vehicle so they can get back on the road as soon as possible.
Absolutely! We recommend that every customer have the vehicle they are intending to purchase independently inspected by someone they trust, before they buy. We want you to feel comfortable with the condition of the vehicle you are purchasing.
Yes, Cars-N-Credit will take just about anything of value as trade-in. Although most customers trade in another vehicle some have traded boats, ATVs, motor homes, and more!
We don’t report to any credit agencies, but we can give you the tools for you to use us as a credit reference. Because we don’t check credit by pulling credit reports, the credit agencies don’t allow us to report any credit.