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Finance Center

Expert Financial Solutions

Count on the Wareing Belle Fourche Finance Center 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.

WHY STELLANTIS FINANCIAL SERVICES US?

As the preferred lender for Chrysler, Dodge, Jeep, and RAM (CDJR) vehicles, Stellantis Financial Services US offers financing options engineered specifically for our lineup. That means loyalty incentives, special rates, and exclusive programs designed to help you get the most out of your CDJR ownership—whether you're buying or leasing. If you're looking to maximize your savings and streamline approval, starting with Stellantis Financial is a smart first step.

Our finance team works directly with Stellantis to ensure you have access to limited-time offers and national promotions that may not be available through third-party lenders. Ask us how you can take advantage of these exclusive benefits.

Other Lending Partners

While Stellantis Financial Services US is our go-to for CDJR buyers, we know that financing is never one-size-fits-all. That’s why we maintain strong relationships with a broad network of trusted lending partners—so you always have options tailored to your personal situation.

Our credit union partners include community-focused institutions like Aspen Federal Credit Union, Black Hills Federal Credit Union, Campco Federal Credit Union, Highmark Credit Union, and Northern Hills Federal Credit Union. These local lenders are known for their member-first service and competitive rates.

We also work closely with respected national banks and finance groups, including Ally, Capital One, Chase Bank, Fifth Third Bank, First Interstate Bank, Ford Credit, Global Lending Services, Huntington National Bank, TD Auto Finance, and Wells Fargo Automotive. Each offers unique programs to help meet a wide range of needs—from first-time buyers to those rebuilding credit.

At Wareing Motors, our finance team is committed to pairing you with the lender that best fits your goals—whether that’s through a manufacturer-backed plan or one of our trusted lending partners.

If you don’t see your preferred lender listed, just let us know. We may have already added them to our network—and if not, we’re always open to welcoming 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.

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

Extended Service Contracts Portfolio Overview

Express 4

Prepaid Maintenance

Tires & Wheels

Tire and Wheel Protection with Portfolio

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

5-Year Unlimited Windshield Repair & Replacement

Enjoy peace of mind with unlimited windshield repairs and replacements for five full years, backed by Crystal Fusion. Whether it’s a small chip or a major crack, you’re covered—no guessing, no worrying.

All repairs and replacements are handled by certified technicians right here at the dealership. If you're traveling or outside our service area, we’ve partnered with Safelite® to make sure your coverage goes wherever you do.

If a repair isn’t possible, we’ll replace your windshield with an OEM (Original Equipment Manufacturer) glass—never aftermarket. Plus, if your vehicle requires ADAS reprogramming, that’s included too.

This plan is perfect for anyone who wants long-term protection with top-quality materials, expert service, and no hidden surprises.

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

Frequently Asked Questions Still have questions? Send us a message and we will respond back as soon as possible.

Ask a Question

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 now offer a 5-Year Unlimited Windshield Repair & Replacement plan. It’s separate from the Express 4 bundle and includes OEM glass, ADAS recalibration, and nationwide coverage through Crystal Fusion® and Safelite®. Total peace of mind, wherever you drive.
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, overages 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, you can choose to put money down to reduce the financed amount. Whether a down payment is necessary depends on 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.

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