Used Car Financing in Montana — All Credit Welcome
Your Second Chance Starts Here
At Deals on Wheels, we believe everyone deserves access to reliable transportation — regardless of their financial past. That’s why we offer Buy Here Pay Here (BHPH) financing at all of our Montana locations.
If life’s thrown you a curveball and credit is holding you back, we’re here to help. Our in-house team works directly with you to build a payment plan that fits your budget, schedule, and goals — no outside banks or middlemen involved.
Why choose BHPH at Deals on Wheels?
- No Credit or Bad Credit? Fast Approvals.
- Simple, income-based approvals.
- No early payoff penalties
- Payments structured. around your payday
- Local, trustworthy financing team.
How Our Financing Works
Step 1: Pick the Right Vehicle
Browse our inventory of dependable used sedans, SUVs, and vans — available statewide at our locations in Helena, Billings, Missoula, Kalispell, and Great Falls.
Step 2: Apply for Financing
Apply online in minutes or visit any store in person. We’ll review your income, work with your pay schedule, and help you choose a payment plan that works.
Step 3: Get Approved & Drive Away
Most approvals happen fast — many of our customers leave the lot within hours, not days.
What You’ll Need to Apply
Applying for financing at Deals on Wheels is quick, easy, and stress-free. We believe in keeping the process simple—most of what you need is already saved in your phone or wallet. Just gather a few basic documents and you’ll be ready to get approved in minutes.
Have These Items Ready:
Proof of income – Recent pay stub or a letter from your employer will do.
Proof of residence – A current lease agreement or utility bill works great.
Valid ID – A state-issued driver’s license or identification card.
3–5 personal references – Names and contact info for people who can vouch for you.
Supervisor and landlord contact info – Helps us confirm your employment and living situation.
We Like What We Do
At Deals on Wheels, we’re more than a dealership — we’re a team committed to helping our neighbors thrive. By providing access to reliable vehicles, we empower Montanans to get better jobs, support their families, improve their credit, and reach their goals.
When you walk through our doors, we don’t see your credit score — we see your future.
Check Out Similar Used Vehicles at Our Montana Locations
All vehicles come with low down payments and flexible in-house financing – we make it easy to drive today.
Need Help? Let’s Talk.
Still have questions about how it works? Call or visit your nearest Deals on Wheels — our friendly team is here to help you make confident, informed decisions.
Visit Any of Our 5 Montana Locations
Deals on Wheels: Billings
Deals on Wheels: Great Falls
Deals on Wheels: Missoula
