Finance Department

Your automotive financing experts

Open Today! Sales: 7:30am-5:30pm

Call us at: 605-892-2643

At Wareing Belle Fourche Chrysler Dodge Jeep RAM, we offer competitive financing rates and terms on our great selection of new and used trucks, cars, and SUVs. You can count on us for expert financial solutions tailored to your needs. Our team is dedicated to providing a seamless and efficient financing experience, ensuring you drive away with confidence and peace of mind.

Our Lenders

We are pleased to offer a wide variety of financing solutions due to our extensive network of lending partners. Our credit union options include Aspen Federal Credit Union, Black Hills Federal Credit Union, Campco Federal Credit Union, Highmark Credit Union, and Northern Hills Federal Credit Union, which focus on community-oriented banking solutions. Alternatively, our banking partners, including Ally, Capital One, Chase Bank, Chrysler Capital, Fifth Third Bank, First Interstate Bank, Global Lending Services, Huntington National Bank, Stellantis Financial Services, TD Auto Finance, Wells Fargo Automotive, and Westlake Finance Services, provide a diverse range of financial products to meet various needs. Trust our expert team to pair you with the lender that best matches your personal situation.

Aspen Federal Credit Union
BHFCU Black Hills Federal Credit Union
Campco Federal Credit Union
Capital One
Chase Bank
Chrysler Capital
Fifth Third Bank
Global Lending Services
Highmark Credit Union
Huntington National Bank
NHFCU Northern Hills Federal Credit Union
Stellantis Financial Services U.S.
TD Auto Finance
Wells Fargo Automotive
Westlake Finance Services

At Wareing Belle Fourche Chrysler Dodge Jeep RAM, we are committed to expanding our network of financial partnerships. If you don’t find your preferred lender listed, please inform us. We may have already added them to our portfolio, and if not, we love to welcome new partners into the Wareing Motors family.

Protecting Your Investment

Enhance your ownership experience with peace of mind and protection for your dollar. From warranty extensions to paint protection, our Finance Center provides comprehensive coverage options to safeguard your investment. Explore here or contact us to learn more.

SelectShield Powertrain Warranty

SelectShield, our exclusive 3-month/3,000-mile powertrain warranty, is offered entirely complimentary on specially chosen pre-owned vehicles. Providing a safeguard against unforeseen repair expenses, SelectShield ensures your peace of mind without any additional cost. Keep an eye out for the distinctive SelectShield Badge, inquire with your dedicated Product Specialist, or delve into the details of SelectShield here. Your worry-free driving experience begins with SelectShield.

From rock chips to roadside assistance, we’ve got you fully covered.

Express 4

Prepaid Maintenance

Tires & Wheels

Addressing Every Detail

Accidents happen, and so do stained seats, scratched paint, dinged doors, and damaged surfaces. With our complete appearance package offerings, every detail is covered.

Cilajet’s industry-leading formulas provide a durable shield against environmental contaminants, UV rays, and harsh weather conditions, ensuring your vehicle maintains its showroom brilliance on the inside and outside. Drive with confidence, drive with Cilajet.

Cilajet Protection

Cilajet Testimonials

Essential Protection for Your Peace of Mind

In the dynamic landscape of vehicle ownership, protection isn’t merely an option; it’s a necessity. Each day brings unforeseen challenges, from the risk of vehicle theft to potential damages during a lease or unexpected events while driving. These plans serve as a robust shield against the unexpected. This is the protection your vehicle deserves.

Auto Gap Coverage

Code Anti-Theft

Lease Protection

Frequently Asked Questions

Still have questions? Contact us and we will respond back as soon as possible.

Extended Coverage for Pre-Owned Vehicles:

Q) Can I still purchase extended coverage for pre-owned vehicles sold “as-is”?
A) Yes, in most cases, you can. The availability of extended coverage depends on factors such as the age and mileage of the vehicle.

Q) I’m eyeing a newer model year pre-owned vehicle that’s less than 3 years old and has less than 36,000 miles. Can I still access the manufacturer’s warranty?
A) Absolutely. As long as the vehicle is within the factory’s warranty limits, you will have access to the manufacturer’s coverage.

Considerations for New Vehicle Owners:

Q) Why should I consider additional coverage for a brand new vehicle that already comes with a comprehensive manufacturer’s warranty?
A) The need for additional coverage depends on your driving habits and how long you plan to keep the vehicle. If you intend to surpass the factory’s 3-year/36,000-mile warranty, extended coverage may be beneficial.

Q) What happens if my new vehicle is involved in a total loss accident, and I still owe a substantial amount on it?
A) If you’ve opted for our Gap Protection, you’re covered. Without it, you may be responsible for any negative equity in such a scenario.

Windshields and Extended Service Contracts:

Q) I frequently encounter chipped or cracked windshields. Do you offer protection for that?
A) Yes, we provide a windshield protection program as part of our Express 4 bundle.

Q) What types of extended coverage plans are available, and how do I decide which one is best for me?
A) Extended coverage plans are VIN specific and depend on mileage. For vehicles with lower mileage, options include factory warranty-like coverage, while higher mileage vehicles may qualify for limited coverage. We tailor options to fit your needs, presenting 2 or 3 packages for you to choose from.

Choosing Dealership Coverage vs. Bank/Insurance:

Q) My bank/insurance company offers extended coverage. Why should I choose to buy a warranty through the dealership?
A) In our experience, coverages offered by banks and insurance companies often do not match the comprehensive parts and labor coverage provided by our dealership. We aim to offer superior coverage for our customers.

Financing Process:

Q) I’m concerned about spending too much time at the dealership during the financing process. How can I speed it up?
A) We understand the importance of your time. You can complete a credit application online or over the phone, allowing us to have everything ready for you to sign when you arrive.

Q) What do I need for a down payment, and is it mandatory?
A) While down payments are not always required, they can reduce the financed amount. The necessity of a down payment is determined by several factors, and the lender will make that determination.

Credit Information:

Q) Can I know my payments and interest rate before completing a credit application?
A) Exact payment amounts and interest rates depend on your credit. We require customers to complete a credit application to determine these details. However, we can provide estimates beforehand.

Q) Why should I finance through the dealership instead of going directly to a bank?
A) We work with various local and national lenders, offering competitive rates. Our partnership with multiple lenders often provides more financing options for our customers.

Credit Concerns:

Q) I know I have a bad credit score; will I still be able to get financing?
A) Lenders consider both credit score and credit history. We work hard to provide financing options for all customers, treating each with respect and consideration regardless of credit situation.

High Mileage and Older Vehicles:

Q) There’s an older vehicle with high mileage that I really like. Can I still purchase extended coverage for it?
A) Absolutely! We offer a variety of extended service contracts, accommodating everything from window chips to comprehensive coverage for older and higher mileage vehicles.

Q) I’ve heard that older vehicles with high mileage can’t be financed. Is that true?
A) While there may be specific considerations, there are still financing options available for these types of vehicles. Lenders may require a down payment to reflect their valuation of the vehicle.

Ready to turn your vehicle into a valuable asset? Whether you’re looking for a trade estimate or eager to explore our latest inventory, take the next step now. Your journey towards a seamless car-selling experience starts here.

Wareing Belle Fourche is located at: 30 5th Ave • Belle Fourche, SD 57717
Wareing Belle Fourche 44.679131, -103.854637.