Questions or Concerns about Your Credit?

Do you have Bad Credit? Do you have Limitied or No Credit? Have you filed Bankruptcy? Are you a First Time Buyer? Have you had Repo or Foreclosure?

It doesn't matter if you have good credit or bad credit, The Bear Lot has the experience to help get you qualified and approved for a car loan! We have helped thousands in the Minneapolis and St. Paul area with all types of credit situations get qualified, and we can help you too.

Apply Now! Get Pre-Approved

Please use our fast pre-approval process below:

  • Apply Online - Fill out and submit a finance appliction (Please Click Here)
  • Call our Finance Department at (877) 873-2167 to schedule a no-obligation consultation to disuss your options
  • Or stop in and fill out a finance application with one of our qualifed sales consultants

At The Bear Lot we understand not everyone has perfect credit. We are proud to be able to offer auto loans regardless of your credit situation. We have been in business for over 20 years. In that time we have learned that by taking care of our customers, providing them with a reliable vechile and loans to match their budget we are able to earn your continued business.

Why buy and finance with The Bear Lot? We sell our vehicles at low prices with financing terms and payments that will work within your budget. We can offer low interest auto loan rates for you new car, truck or suv. Your new auto loan will help to establish or re-establish your credit score and payment history.


All retail vehciles come with a 3 month / 3,000 mile Powertrain Warrany and a 7 day or 350 mile exchange guarantee.

The Bear Lot can protect your budget and vehicle against future repair cost. We offer extended warranties at every level of protection, with no age or millage limits.

Regardless of your credit score or previous loan history, The Bear Lot offers auto loan programs based on your ability to pay.

Loans are structured based on:

  • Down Payment
  • Job Time
  • Income

The Bear Lot is the place to go for you used car financing and credit needs.

In order to finalize your auto loan:

Lendors may require:

  • Proof of Income current paystubs/bank statements/tax returns
  • Verification of Employment HR/manager phone number
  • Proof of Residency utility-phone-cable bills/lease agreement
  • Personal References name-address-phone-relationship
  • Down Payment/Trade $1,000 down payment recomended minimum


The Bear Lot

2375 Mounds View Blvd
Directions Mounds View, MN 55112

  • Sales: (763) 783-9106
  • Service: (763) 783-9106
  • Parts: (763) 783-9106


  • Monday 9:00AM - 7:00PM
  • Tuesday 9:00AM - 7:00PM
  • Wednesday 9:00AM - 7:00PM
  • Thursday 9:00AM - 7:00PM
  • Friday 9:00AM - 6:00PM
  • Saturday 9:00AM - 5:00PM
  • Sunday Closed