Sales hours: Mon–Fri 8:30a–6p · Sat 8:30a–5p
Explore used-vehicle financing with Auto Choice in Spearfish, SD. Our team works with nine lending partners and can explain loan options, down payments, and terms for the vehicle you are considering. Submit a secure application to start a lender review; approval, rates, and terms depend on your application and lender requirements.
We work with a network of trusted local and national lenders to find competitive auto loan rates. That gives you options, whether your credit is perfect or you're still building it.
Our finance team has helped secure loans for all kinds of buyers in the Spearfish area, from first-time car owners to local construction and ranching businesses needing a reliable work truck. We find practical terms that fit your budget, so you can focus on the road ahead.
We make our network of lenders compete for your business, driving down the rate you pay.
Our connections include options for buyers with excellent credit, or for those rebuilding.
One secure application is all you need to fill out. We handle the rest.
We secure practical loans for the 4x4 trucks and SUVs that Black Hills life requires.
We work with local and national banks and credit unions to get you financed, whatever your credit looks like.
Put in a price, a down payment and a term to see roughly where a payment lands. It updates as you type. Nothing here is a rate quote — your actual rate comes from the lender once you apply.
Estimated monthly
$472/mo
An estimate only. It is not a credit offer, and it excludes tax, title, registration and fees. Your actual rate and term depend on approval.
Our online form is secure and straightforward. It takes just a few minutes to complete from your home here in Spearfish. We get you the answers you need quickly, so you can spend less time on paperwork and more time headed to Custer or around town.
The secure application below is hosted by RouteOne. If it does not load, call us on (605) 642-2886 and we will take it over the phone.
Credit scores and loan applications can be confusing. We work with buyers from all over Spearfish, including students at Black Hills State University to the car buyers of Rapid City and Sundance. Whether you want to use one of our 9 lending partners or bring your own rate, our team can explain your options in plain language. Give us a call to talk through your specific situation.
For 24+ years we’ve helped our communities get back on the road with affordable used cars, trucks, SUVs, and vans. From young families needing a safe SUV to construction crews needing a reliable work truck, our goal is the same: find a practical financial path to a vehicle that accomplishes what you need. These are a few of their stories.
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Start a secure financing application for a used vehicle at Auto Choice in Spearfish, SD. Our team can explain the next steps and help you compare available lender options. All financing is subject to lender review and approval; rates and terms vary.
