Auto Finance Specials at The Bear Lot

At The Bear Lot, we understand that each of our valued customers has a unique credit history and could face credit challenges. However, we also know that everyone deserves dependable and affordable transportation. We all need a safe way to get to work, transport children to school, and manage our household errands. So the team at The Bear Lot offers finance specials to accommodate everyone's credit, even if you are just starting out and working to establish strong credit. Visit our Mounds View location to learn more about our in-house finance opportunity that genuinely has a loan for every buyer.

The Bear Lot Promise

For over 20 years, The Bear Lot has been meeting the automotive needs of Columbia Heights and surrounding communities. We believe that our dedication to the community has been the reason for our continued success and why we will continue to offer finance opportunities to every customer who visits our dealership. So when you need a dealership you can count on to establish or rebuild your credit, know that The Bear Lot is here for you.

How We Keep Our Promise

Unlike other dealerships that are more focused on moving vehicles off the lot than helping their friends and neighbors in the community, The Bear Lot has unique criteria for our vehicle loans. We do not base your approval or terms on your credit score or credit history because those are not the most accurate or helpful indicators of your ability to purchase reliable transportation. Instead, we use three simple pieces of information:

  • Your down payment
  • Your time at your current employer
  • Your income

What We Need From You

We are not interested in penalizing you for issues that happened years ago or were beyond your control. Instead, we want to know about your current finances and how we can help you. So all you need to provide are a few very basic pieces of information and documentation to leave The Bear Lot in your new vehicle. With the following information, we can finalize your loan:

  • Proof of your income in the form of check stubs, bank statements, or tax returns
  • Proof of your employment or the human resources phone number
  • A copy of a utility bill or lease agreement to establish residency
  • The name, address, and phone number of a personal reference
  • Your down payment or trade-in with a value of $1,000

An Added Benefit From The Bear Lot

The team at The Bear Lot wants to ensure that you are completely satisfied with your new vehicle choice and are confident that it is sound and safe. So we include a 3 month/3,000 mile powertrain warranty and a seven-day or 350-mile exchange guarantee. So if you are unhappy with your new ride in the first seven days or 350 miles, bring it back and make a new selection. And the warranty is valid for service at our location. These fantastic perks are included on all vehicles, except those listed as Bear Bargain Vehicles.

Service & Parts Financing

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Online Finance Application

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