Credit Questions

Guaranteed Credit Approval... CLICK HERE to Apply... We lead with Experience! With over 50 years of sales and customer experience in the St. Cloud area.

Finance Department Information

3018 Division St., St. Cloud, MN 56301

Finance Managers
Todd Noack   E-Mail
Tom Botz   E-Mail

Office: (320) 253-8053
Fax: (320) 253-2430
Toll Free:  (888) 244-7355    

Monday-Friday     8:00 a.m.-8:00 p.m.
Saturday                8:00 a.m.-5:00 p.m.


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Frequently Asked Questions about Guaranteed Credit Approval


When can I take possession of a vehicle?
After you complete the online application, a finance specialist will quickly contact you about the terms of your approval. Once you have submitted all of the proper documents (see below), we will contact you to set up an appointment for delivery.  In most instances, delivery occurs the same day as the approval.

What kind of vehicle may I purchase?
You may purchase a late model or newer reconditioned vehicle. We offer many warranty options and guaranteed asset protection plans as well. 

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How much down payment do you require?
There is no set down payment. The terms for purchasing are unique to each person and vehicle.  To find out how much money down you will need, please complete the ONLINE APPLICATION. Upon approval, a finance specialist will let you know the terms of the loan for each vehicle that interests you.

Are you a “Buy Here/ Pay Here” dealership?
No. We have lenders that specialize in sub-prime financing to get you the best rates and terms available.

Will this program help rebuild my credit?
Yes! Our lenders report your timely payments to all three major credit bureaus on a monthly basis.

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  -  Want to plan a loan payment that works for your budget? Use our PAYMENT CALCULATOR.