DriveWise Cheyenne

1701 Logan Ave, Cheyenne, WY 82001
Monday – Saturday: 9:00AM – 6:00PM
Sunday: ClosedPhone (307) 487-7778

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The Wise Way to Drive

Frequently Asked Questions

Honest answers about how buy here pay here works, what we approve, what the warranty covers, and how we say yes when other dealers said no.

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No credit hit. Bilingual team. Greeley & Cheyenne.

SAYING YES
SINCE 2018
18-MONTH /
24,000-MILE WARRANTY
BILINGUAL
STAFF
GREELEY &
CHEYENNE
LOW DOWN.
EASY APPROVAL.

About DriveWise

What is DriveWise?
DriveWise is a buy-here-pay-here used car dealership with two locations — Greeley, CO and Cheyenne, WY. Since 2018, we have specialized in helping customers who get told no by traditional banks and credit unions: bad credit, no credit, ITIN, past repos, and post-bankruptcy.
What does “buy here pay here” mean?
At a traditional dealership, your loan application is sent to a third-party bank for approval — if the bank says no, you walk. At a buy-here-pay-here dealer like DriveWise, the dealership is the lender. We approve loans in-house based on your full situation, which is why we can say yes when banks say no.
Who owns DriveWise?
DriveWise is part of the Yoder Family of Companies, a family-owned group of automotive businesses in Northern Colorado and Southeast Wyoming. Both DriveWise stores share inventory, the approval team, and a single mission: helping people who have been turned away elsewhere get into a reliable vehicle.

Pre-Qualifying & Approval

Will pre-qualifying at DriveWise affect my credit score?
No. The DriveWise pre-qualification form is a soft credit inquiry. It does not appear on your credit report and does not affect your credit score. A formal credit application happens later and only with your written authorization.
What credit score do I need to be approved at DriveWise?
There is no single minimum credit score required. We look at your full situation — income, employment, housing, and references — not just a credit number. Customers in the 400s and 500s drive home from DriveWise every week.
How does the DriveWise pre-qualification process work?
Complete the secure online form at mydrivewise.com/pre-qualify/ in about 60 seconds. We perform a soft credit inquiry and a bilingual team member reaches out within one business hour to walk you through what you qualify for, what your down payment options look like, and what to bring when you visit either store.
Can I pre-qualify with an ITIN instead of a Social Security Number?
Yes. DriveWise works with ITIN customers every day at both stores. Bring your ITIN, a valid photo ID (driver’s license, state ID, passport, or matrícula consular), and proof of income. Our bilingual team can walk you through the process in English or Spanish.
How long does it take to hear back after pre-qualifying?
A bilingual DriveWise team member will reach out within one business hour during open hours. After-hours applications are contacted first thing the following business day.
What if I am not approved at DriveWise?
DriveWise approves a much wider range of credit situations than traditional banks and credit unions. If we cannot approve you today, our team will tell you exactly why and what specific change would unlock an approval — additional income verification, a different vehicle, a slightly larger down payment, or adding a co-applicant.
Do you check my credit when I apply?
For pre-qualification, no — we do a soft inquiry only, which does not affect your credit. For a formal credit application after you have selected a vehicle, yes — but only with your written authorization. We are transparent about this at every step.

Credit & Down Payment

I had a car repossessed before. Can I still buy from DriveWise?
Yes. A past repossession is not an automatic no at DriveWise. We see them often. We will look at why it happened, what has changed since, and whether your current income supports a reasonable payment.
Can I buy a car at DriveWise after a bankruptcy?
Yes. We approve customers after Chapter 7 and Chapter 13 bankruptcies, including customers who are still in an open Chapter 13 plan in some cases. Discharged debt is treated as exactly that — discharged.
How much down payment do I need at DriveWise?
Down payments at DriveWise vary based on the vehicle and the approval. Many customers drive home with under $1,000 down. Pre-qualify online to get a specific quote on what your down payment options would look like — there is no obligation.
Are DriveWise interest rates higher than a credit union?
Honestly, yes — buy-here-pay-here rates are higher than what a 720-credit-score customer would get from a credit union. That is the trade-off for being approved when the credit union said no. After 12 months of on-time payments, many DriveWise customers refinance at a lower rate. We will help you understand the path.

Documents & Visiting

What documents do I need to bring to DriveWise?
A valid photo ID, recent proof of income (typically two pay stubs or a recent bank statement), proof of residence (utility bill or lease), and a list of three to five references with phone numbers. If you are missing one of these, call us — (970) 353-9815 in Greeley or (307) 487-7778 in Cheyenne — and we can usually work with what you have.
What forms of ID does DriveWise accept?
A valid driver’s license, state ID card, passport, or matrícula consular all qualify. ITIN works in combination with one of those photo IDs.
What counts as proof of income at DriveWise?
Two recent pay stubs, a recent bank statement showing direct deposits, or a recent tax return for self-employed customers. Cash-paid? Bring two months of bank statements showing deposit history.
Do I need an appointment to visit DriveWise?
No appointment is required. Walk in any time during open hours. If you pre-qualify online first, we can have your file ready when you arrive, which speeds up the visit considerably.

Warranty & After the Sale

Does DriveWise offer a warranty on used vehicles?
Yes. The majority of DriveWise vehicles include a limited 18-month or 24,000-mile warranty (whichever comes first) covering major mechanical components. Coverage details vary by vehicle. Ask your DriveWise team member for the specific terms on the vehicle you are considering.
What does the 18-month / 24,000-mile warranty actually cover?
The limited warranty covers major mechanical components — engine, transmission, drive axle, and other covered systems — for 18 months or 24,000 miles, whichever comes first. Wear-and-tear items (brake pads, tires, wiper blades) are typically not covered. Coverage details vary by vehicle, so always confirm specifics in writing before you buy.
What happens if my DriveWise vehicle breaks down during the warranty period?
Call your DriveWise store first — Greeley (970) 353-9815 or Cheyenne (307) 487-7778 — and we will walk you through where to take the vehicle for a covered repair. Don’t pay out of pocket for a covered repair before calling us; we’ll guide you to the right shop.
Can I refinance my DriveWise loan after I rebuild my credit?
Yes. After 12 months of consistent on-time payments, many DriveWise customers qualify to refinance their loan at a lower rate through a bank or credit union. We will help you understand the path. The goal is to get you the car today and a better rate when your credit catches up.
Does DriveWise report my payments to the credit bureaus?
Yes. Every on-time payment you make at DriveWise is reported to the credit bureaus, which is how you build (or rebuild) credit history during your loan. This is a key part of the path to refinancing at a lower rate later.

Bilingual Support & Locations

Do you have Spanish-speaking salespeople at DriveWise?
Yes — every day, at both stores. Walk in or call and ask for a member of our bilingual team. We also offer a Spanish version of our Fresh Start application page at mydrivewise.com/fresh-start/es/.
Where can I see DriveWise in person?
DriveWise Greeley: 2805 8th Ave, Greeley, CO 80631 · (970) 353-9815
DriveWise Cheyenne: 1701 Logan Ave, Cheyenne, WY 82001 · (307) 487-7778
Both stores share one inventory and one approval team.
What are DriveWise’s hours?
Greeley: Mon–Fri 9 AM–6 PM · Sat 8 AM–6 PM · Sun Closed
Cheyenne: Mon–Sat 9 AM–6 PM · Sun Closed
Does DriveWise sell to customers outside Colorado and Wyoming?
Most of our customers come from within roughly a 35-mile radius of either store, but we work with anyone who can come in to complete the transaction. If you are out of state, call us first to make sure the financing terms work for your situation.
Is DriveWise a member of the Better Business Bureau?
Yes. DriveWise maintains an active business profile and respects all consumer protection guidelines. We are also an equal-opportunity lender — we do not discriminate based on race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant’s income derives from public assistance.

Still Have Questions?

The fastest way to find out what you qualify for is to pre-qualify online. 60 seconds. No credit hit. A real conversation, in English or Spanish.

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Or call us — Greeley (970) 353-9815 · Cheyenne (307) 487-7778

Equal Credit Opportunity Notice: DriveWise is an equal-opportunity lender. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Pre-qualification is a soft credit inquiry and will not affect your credit score. Vehicle warranty terms vary by vehicle. Colorado Dealer License [INSERT] · Wyoming Dealer License [INSERT].

DriveWise 41.1410851, -104.7966396.