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Flexible Auto Financing in Sioux Falls, SD
At Frankman Motor Company, we make it easy to get behind the wheel — whether you have excellent credit, no credit, or anything in between. Serving the Sioux Falls, Brookings, Mitchell, and surrounding South Dakota communities.
Why Finance with Frankman Motor Company?
We're not just a used car dealership — we're your partner through the entire car buying process. Our finance team works directly with a network of trusted lenders to find the best loan terms for your unique situation.
All Credit Welcome
Good credit, bad credit, no credit, or rebuilding after bankruptcy — we work with every situation. Our lender network specializes in finding solutions others can't.
Competitive Rates
Because we work with multiple lenders — not just one bank — we can shop your loan to find the most competitive interest rate and lowest monthly payment available to you.
Quick Pre-Approval
Apply online in minutes and get pre-approved before you even set foot on the lot. Know your budget upfront so you can shop with confidence.
Huge Selection
With over 200 pre-owned vehicles in stock — from daily drivers to classic trucks — you'll find the right vehicle at the right price with the right payment.
Bank Financing vs. Dealership Financing
Wondering whether to get pre-approved at your bank or finance through us? Here's how they compare — and why most of our customers choose to finance right here at Frankman Motor Company.
Bank Financing
- Requires a separate trip and pre-approval process
- Usually limited to one lender's rates
- May not account for trade-in or dealer incentives
- Approval can take 1–3 business days
- Less flexibility for lower credit scores
Frankman Financing
- One-stop shop — finance and drive the same day
- We shop your loan across multiple lenders for the best rate
- Trade-in value applied directly to reduce your balance
- Get approved in minutes, not days
- Specialists in all credit situations including bankruptcy and repos
Get Financed in 3 Easy Steps
1
Apply Online
Fill out our secure online application. It takes just a few minutes and won't affect your credit score.
2
Get Matched
Our finance team shops your application to multiple lenders and finds the best rate and terms for you.
3
Drive Home
Pick your vehicle, sign the paperwork, and hit the road. It's that simple.
Financing for Classic & Collector Vehicles
Looking to finance a classic truck or collector car? We offer specialized financing options for vintage and classic vehicles — something most dealerships can't do. Browse our Classics Collection and let us help make your dream ride a reality.
Convenient Online Financing Tools
We believe the car buying process should be easy, transparent, and stress-free. That's why we've built online tools that let you start your financing journey from the comfort of your couch.
Use our Payment Calculator on any vehicle detail page to estimate your monthly payments — just plug in your down payment, trade-in value, and credit score. When you're ready, submit your secure finance application online and our team will get to work matching you with the right lender.
Already have a vehicle to trade? Use our trade-in valuation tool to get an estimate before you visit. The more you can do online, the faster you'll be driving your new ride.
Frequently Asked Questions
We work with all credit types — good, bad, no credit, and everything in between. Our lender network includes options for customers who have gone through bankruptcy, repossession, or are just starting to build their credit. We encourage everyone to apply.
Our initial pre-qualification is a soft inquiry, which does not impact your credit score. A hard inquiry only occurs once you select a specific loan offer and move forward with a lender — and even then, multiple auto loan inquiries within a 14-day window are typically counted as a single inquiry by credit bureaus.
Most customers receive a response within minutes of submitting their application. In some cases, it may take a few hours if additional documentation is needed. We work fast because we know your time is valuable.
Absolutely. Your trade-in value is applied directly to the purchase price, which lowers your amount financed and your monthly payment. You can combine a trade-in with a cash down payment for even better terms.
To speed up the process, please bring a valid driver's license, proof of income (two recent pay stubs), proof of residence (utility bill or bank statement), and proof of insurance. If you have a trade-in, bring the title and registration as well.
Yes! Unlike most dealerships, we have lending partners who specialize in financing classic and collector vehicles. Whether it's a vintage truck or a restored muscle car, we can help you find a loan that works.
Yes, and we recommend it. Getting pre-approved online gives you a clear budget to work with and speeds up the entire process when you visit. You can complete the entire application from your phone or computer.
Sales Phone
Sales Hours
Mon–Fri: 9am–6pm
Sat: 9am–5pm
Location
26874 SD-11
Sioux Falls, SD 57108
Ready to Get Started?
Apply online today and take the first step toward driving home your next vehicle. Our finance team is standing by to help.