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Finance & Insurance

Protect your investment before you drive off the lot.

Vehicle Service Contracts, GAP & Vehicle Protection in Sioux Falls

Our finance office does more than paperwork. We match coverage to the vehicle you're actually buying (its age, mileage, and what it'll be asked to do) and then we're the ones who repair it, in our own service center. Four products, explained plainly, with the limits stated up front.

Call Finance: (605) 250-5016 Apply for Financing

What We Offer

Each product covers something the others don't. Most customers take one or two, not all four, and we'll tell you which ones actually make sense for the vehicle in front of you.

Mechanical Breakdown

Vehicle Service Contracts

Covers the repair bill when something fails. Four coverage levels, from a listed-component plan built around the engine and drivetrain up to full exclusionary protection. Administered by DOWC.

Coverage levels and pricing Total Loss

GAP Coverage

If your vehicle is totaled or stolen, insurance pays what it was worth, not what you owe. GAP cancels the difference, up to $25,000. A debt cancellation addendum, not an insurance policy.

How GAP works Everyday Damage

CompleteCare Supreme

Tire and wheel road hazard, windshield, paintless dent repair, key replacement, and roadside assistance: the damage a service contract specifically doesn't cover. Administered by NAAC.

What's covered and what isn't Classics & Collectors

Classic Car Coverage

A separate program for vehicles most warranty companies won't touch, including coverage for fabricating a part that's no longer manufactured, and for cars carrying a branded title.

Classic coverage levels

How We Approach This

Nobody enjoys the finance office. The reputation is earned, and it comes from products being sold hard and explained thinly. We'd rather you understand exactly what you're buying, including where it stops.

Matched to the Vehicle

A three-year-old truck and a ten-year-old sedan need different coverage, and a classic needs a different program entirely. We price the levels against your actual vehicle rather than selling one plan to everyone.

We Do the Repair

Our service center and body shop are on site. A covered repair doesn't mean handing your vehicle to a shop that's never seen it. The people who sold it can fix it.

Limits Stated Up Front

Every one of these products has caps and exclusions. They're on the product pages, in plain language. You should know them before you sign, not when you file a claim.

Meet Your Finance Team

You'll sit down with one of two people. Kevin and Nate work as a team: same approach, same product knowledge, same goal of making sure you understand every option before you decide.

Kevin Marlow, Finance Director at Frankman Motor Company

Kevin Marlow

Finance Director

Kevin oversees the entire finance department. He selects the warranty and protection programs we offer, manages those relationships, and handles the administrative side of F&I. He also works directly with customers, walking through every coverage option, explaining what each product does, and helping you make an informed decision.

Nate Russell, Finance Manager at Frankman Motor Company

Nate Russell

Finance Manager

Nate handles the majority of deals and is the person most customers sit down with after choosing a vehicle. He'll walk you through every financing option and protection product available for your purchase. No pressure, no surprises. Whether it's matching the right service contract to your vehicle or explaining what CompleteCare Supreme does and doesn't cover, Nate makes sure you leave understanding what you bought.

F&I FAQs

Four. Vehicle Service Contracts cover mechanical breakdown and come in four coverage levels, administered by DOWC. GAP coverage cancels the difference between your insurance payout and your loan balance if the vehicle is a total loss. CompleteCare Supreme, administered by NAAC, covers everyday damage such as tire and wheel, windshield, dents, and keys. And we offer a separate service contract program built specifically for classic and collector vehicles.
They solve three different problems and none of them overlaps. A vehicle service contract pays for mechanical repairs when a covered part fails. GAP applies only if the vehicle is totaled or stolen, cancelling what you'd otherwise still owe after your insurer pays out. CompleteCare Supreme covers cosmetic and road hazard damage (wheels, glass, dents, keys), which a service contract specifically excludes. Buying one does not cover you for what the others do.
No. All of these products are optional. None of them is required to obtain financing, none will get you a better rate, and declining them has no effect on the terms of your purchase. If your down payment and loan term mean you're unlikely to need GAP, or the vehicle you're buying can't use part of a protection package, we'll tell you that rather than sell it to you anyway.
Yes, these products can generally be financed along with the vehicle rather than paid for separately. Be aware of what that means: financing a product increases your amount financed and therefore your monthly payment, and you pay interest on it over the loan term. We'll show you the payment both ways before you decide.
Each of these products can be cancelled. Cancel within the first 30 days and you generally receive a full refund; after that, refunds are prorated based on the unused portion of the term, less any claims paid, and a cancellation fee may apply subject to your state's maximum. Service contracts and protection packages can also transfer to a private buyer if you sell the vehicle, which is worth mentioning when you list it. Your contract sets out the specifics.
Call the finance office at (605) 250-5016 with the vehicle you're considering. Pricing depends on year, make, model, mileage, and coverage level, so there's no useful number we can publish in advance. Kevin or Nate will price the levels against that specific vehicle and tell you which one they'd recommend and why, including if the answer is that you don't need it.

Finance Office

(605) 250-5016

Location

26874 SD Highway 11
Sioux Falls, SD 57108

Apply Online

Get Pre-Approved

Questions About Coverage?

Call and talk to Kevin or Nate. They'll walk through everything based on the vehicle you're looking at: what it qualifies for, what it costs, and what they'd actually recommend. No obligation.

Call (605) 250-5016 Contact Us

This page is a summary of available products and is not a contract. Coverage, terms, conditions, exclusions, limits, and eligibility are governed solely by the applicable service contract or addendum, which you will receive and may review before purchase. All products are optional and none is required to obtain financing; financing a product rather than paying up front will increase your amount financed and monthly payment. GAP is a debt cancellation addendum, not an insurance policy, and is not a substitute for auto insurance. Obligor and administrator may vary by state. Not all coverage is available in all areas. Frankman Motor Company, 26874 SD Highway 11, Sioux Falls, SD 57108.

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