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Frequently Asked Questions

Midwest Credit Express is your ‘express’ auto financing solution in St. Cloud and Little Falls, MN. We provide perfect automotive financing to those with less than perfect credit. Whatever your credit history is or your current budget may be, Midwest Credit Express can get you back out on the road in no time.

There are a few specifics when it comes to bad credit auto financing, and we are more than happy to listen and address any questions you may have when you contact us. Below is a list of frequently asked questions that can ease your mind when it comes to our auto loans.

What if I have no cash down or a trade-in. Can you help?

YES! Midwest Credit Express has access to lenders that will help you in situations such as, no cash down and no trade-in.

What if I have a trade-in, but I owe more than it is currently worth. Can you help?

YES! Midwest Credit Express has access to lenders that will help you in situations such as, no cash down and no trade-in.

What if I am new to the area and/or have short job time. Can you help?

YES! Most lenders want to see 2 years of continuous employment and residence history so this situation can easily be resolved.

What if I do not live in the area. Can I be pre-approved for an auto loan?

YES! We can get your auto loan pre-approved either by fax or email prior to your coming in to town.

What if I am self-employed. Can you help?

YES! Of course! We have lenders that will extend to you a loan simply by verifying your income with your previous two years tax returns.

What if I am on active duty with the military. Can you help?

YES! We have lenders that offer financing to Military Personnel E-3 and above.

Contact us if you have any questions

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