Finance
Auto Finance Department in Rapid City, SD
Who We Are
You can trust McKie Ford Lincoln in Rapid City, SD for your auto finance loans. We’ve been a leader in the area because we work with most major auto finance companies. Not only do we offer in-house car finance options, but we have a vast selection of trusted third party lenders as well as many local institutions.
We work directly with:
- Lincoln Automotive Financial Services
- Ford Credit
- Bank of the West
- Capital One
- J.P. Morgan Chase
- First Interstate Bank
- Wells Fargo
- Minuteman Community Federal Credit Union
- Fifth Third Bank
- TD Auto Finance
- BMO Harris Bank NA
- US Bank
- Black Hills Federal Credit Union
- American National Bank
- Highmark Federal Credit Union
- Med 5 / Rapid City Medical Credit Union
- Northern Hills Federal Credit Union
- Sentinal Federal Credit Union
- Ally Bank
- Credit Acceptance Corporation
- Santander Consumer Finance
- Americredit
Auto Loans
McKie Ford Lincoln is focused on providing auto finance loans that fit every customer’s needs. Our experienced, friendly finance managers can work to provide car loans, even bad credit car loans, in Rapid City, SD as well as Spearfish and Hot Springs from Ellsworth AFB to Custer. Whether you require a new car loan, certified pre-owned car loan or a used car loan, we can meet your needs. Not only will we help you get quickly pre-approved, but we will walk you through using the rapid loans calculator to determine your buying power and monthly payments.
Auto Loan Calculator
Before you apply for auto finance loans, it helps to know what you can afford. With the auto loan calculator, you can play with the numbers to find the term and monthly payment that works for you. It’s the best way to figure out what car you can afford without breaking the bank.
Bad Credit Loans
If you are working to rebuild your credit, you can still get auto finance loans; you just need the right lender. Even if you have existing credit problems, bad credit or no credit, McKie Ford Lincoln isn’t going to turn you away. We will get you the car you desire and will help you find the best auto finance loans in Rapid City for your circumstances. Our Ford dealership in Rapid City isn’t afraid of bad credit and will work to find the instant car loans that build your credit score over time. Don’t waste your time trying to find those online car loans with no credit check. They won’t provide the results you need to gain good credit and the interest rates are awful.
Refinance Car Loans
When it comes to auto finance loans, sometimes it makes sense to refinance your existing loan. This can save you money by lowering your interest rate, reducing your payments and often leaves you with more desirable terms. You can consider refinancing your auto loan after 6 months. Talk to one of our specialists to see if this makes sense for you.
Auto Loan Rates
Now is a great time to check out auto finance loans because auto loan rates are competitive and there’s a lot to offer customers with all types of credit. It’s possible to get a 4% loan rate on new cars and even lower on a refinance. If you want rapid car loans for a used vehicle, rates are also starting around 4%. The best loan rates aren’t hard to find if you have a qualified specialist on your side like our team at McKie Ford Lincoln.
Car Financing FAQs
Here are the top 10 questions we hear about auto finance loans:
Car financing is the agreement that’s made between you and a lender that permits you to purchase a vehicle.
You will find personal loans, PCP (personal contract purchase) loans, HP (hire purchase) loans plus the option to lease.
At McKie Ford, we can help you get pre-approved in minutes. With just a few pieces of information, we can figure out your rapid auto loans payment.
Our Rapid City bad credit car dealers have everything you need to get auto finance loans. We will look at your circumstances and figure out the best plan for your situation.
Many financial companies offer lease buyout auto financing which buys out the existing lease with the dealership and sets you up with a new car loan.
The APR stands for annual percentage rate. It’s the interest that is applied to your loan. It’s basically the yearly cost of the money you’ve borrowed, paid for on top of the agreed purchase price.
The current balance of your auto loan only shows you the principal owed. The total amount due reflects the principal balance, applicable fees and interest since your last payment.
Delivery time varies based on the company that financed you. It also depends on the state’s requirements.
You want to avoid paying your payments late. Not only will this subject you to late fees but it can also affect your credit score and interest rate.
You will have to submit your personal information, employment and income records plus some data about the vehicle you wish to purchase.
How is your credit?
Whether it is perfect or not so great, we can custom design the right financing package for your next vehicle purchase.
The McKie Ford Lincoln loan process can help you find the best interest rate for your next vehicle purchase.
Try our FREE credit application today!
Great New Vehicle APR!*
Competitive Used Vehicle Rates*
We have hundreds of new and used Ford vehicles for immediate delivery and access to some of the lowest interest rates in the business. *Rates subject to change. Please see dealer for up to date rates.
Due to our special arrangements with local and national lenders, we can help you get the new or used vehicle you deserve. Whether your past credit is near perfect or not so perfect, we can help!
Complete our FREE credit application and our team of finance professionals will begin working for you. We have hundreds of Ford vehicles currently available for immediate delivery.
Are you new to this country? Have you been turned down before? We can help. We have programs to help you get into a car and rebuild your credit. We are able to overcome most credit problems.
To get started, fill out our FREE credit application online.
Once the application is completed, the McKie Ford Lincoln finance team will put together a loan package that is tailored specifically for you.
