Get Approved for a Used Car in Montana — Fast & Easy,
Drive Today with In-House Financing
At Deals on Wheels, we make car financing simple — no credit checks, no delays, no pressure. Our in-house Buy Here Pay Here program is designed for people who need reliable transportation now, not later.
Whether you’re rebuilding your credit or buying your first car, our approval process is fast, flexible, and built around your needs — not your credit history.
➤ All credit accepted
➤ Same-day approvals
➤ Flexible payment plans
➤ No early payoff fees
Fill out our short form in seconds.
Find More Used Cars Like This in Montana
We offer reliable pre-owned vehicles with flexible Buy Here Pay Here financing – no credit, no problem!
What You'll Need to Apply
Getting approved at Deals on Wheels is fast and hassle-free. In fact, you probably already have everything you need right on your phone. We’ve streamlined the process so you can get behind the wheel without jumping through hoops.
Be Ready with the Following:
- Proof of income – A recent pay stub or a job letter works perfectly.
- Proof of address – Bring a lease, utility bill, or any piece of official mail.
- Government-issued ID – A valid driver’s license or state ID is required.
- Employer and landlord contact info – This helps us verify your stability.
- 3–5 personal references – A few trusted contacts who know you well.
Having these essentials ready will help you breeze through our approval process with zero stress. No credit? Bad credit? No problem—we’re here to help.
FAQs– Financing & Approval
Yes! We use your income and job stability, not your credit score, to determine approval. Your past doesn’t define your future at Deals on Wheels.
In most cases, approvals happen same-day. If you apply online, a team member will contact you shortly to go over details and schedule a time to get you driving.
That’s exactly why we’re here. We work with people who’ve had credit challenges in the past. Our goal is to say yes when others say no.
Down payments vary depending on the vehicle and your income, but we’ll work with you to find something affordable. We’ll never pressure you into a deal you can’t manage.
Yes! On-time payments with us can help show financial responsibility and improve your credit over time.
Absolutely. We accept trade-ins and will help apply the value toward your next purchase. Visit our Trade-In Page → for more info.
Your Application Your Schedule
You don’t have to come in to get started. Our short online form takes just 2 minutes to complete and won’t affect your credit score. After you apply, a team member will reach out to discuss your options — no pressure, no obligations.
Visit Any of Our 5 Montana Locations
Deals on Wheels: Billings
Deals on Wheels: Great Falls
Deals on Wheels: Missoula
