See If You’re Approved —
Without Touching Your Credit Score.
Bad credit, no credit, ITIN, past repo, post-bankruptcy — we work with the situation you’re actually in. Fill out the secure form below and a bilingual team member will reach out within one business hour.
Start My Pre-Qualification →No credit hit. Not a credit application. Soft inquiry only.
SINCE 2018
24,000-MILE WARRANTY
STAFF
CHEYENNE
EASY APPROVAL.
Get Pre-Qualified Now
No credit hit. Bilingual team standing by.
Three Simple Steps
From application to keys, we keep it simple and we keep it honest.
Apply
60 seconds online or by phone. No credit hit. We just need the basics so we can match you with the right approval.
Pick
Once you’re pre-approved, we help you choose a reliable vehicle from our lot that fits your budget — not the other way around.
Drive
Drive home with a real warranty, start (or restart) building your credit, and get your life moving forward.
Why People Drive Home From DriveWise
Three reasons we’ve been saying yes since 2018.
We Say Yes
Bad credit, no credit, ITIN, recently discharged, divorce, medical bills — we work with the situation you’re actually in, not the one a credit score says you should be in. Our entire job is to help people other dealers turned away.
A Real Warranty
Most of our vehicles include an 18-month / 24,000-mile warranty on covered mechanical components. That’s coverage most BHPH dealers don’t offer because they don’t have to. We offer it because we believe in what we sell.
Bilingual From the First Hello
Both stores have Spanish-speaking team members on the floor every day. Whether you prefer English, Spanish, or both, you’ll be spoken with — not at — by someone who actually understands.
Five Situations We Work With Every Day
If you see yourself here, you’re in good company. Most of these scenarios end with a customer driving home the same day they walk in.
After a Repossession
A past repo on your credit report is not an automatic no at DriveWise. We’ll look at why it happened, what has changed since, and whether your current income supports a payment that fits.
After Bankruptcy or Medical Bills
Recently discharged from Chapter 7 or 13? In some cases still in an open Chapter 13 plan? We focus on where your finances are now, not where they were the day you filed.
After Divorce, Layoff, or Income Change
The credit hit from a divorce or job loss is rarely your fault, but it shows up on the report all the same. If you’re back on your feet with steady income, that’s the part of the story that matters most to us.
ITIN Buyers (No Social Security Number)
Bring your ITIN, a valid photo ID, and proof of income. Our bilingual team will walk you through the rest in English or Spanish. Tenemos miembros del equipo que hablan español todos los días.
First-Time Buyers With No Credit History
No credit isn’t the same as bad credit, but a lot of dealers treat it that way. We don’t. Every on-time payment you make at DriveWise is reported to the credit bureaus, so you’re building real credit history alongside your reliable transportation.
What “Pre-Qualifying” Actually Means
A soft inquiry. Pre-qualification is a soft credit pull. It does not appear on your credit report and does not affect your credit score. Anyone who tells you a pre-qualification will hurt your credit is either confused or selling you something else. The hard inquiry happens later, only after you’ve picked a vehicle and given us written authorization to formally apply.
A real answer, not a maybe. Pre-qualifying tells you whether DriveWise can approve you, what your monthly payment range looks like, and what kind of down payment will be required. You walk into the store knowing the math instead of guessing.
No obligation. Pre-qualifying is free. Pre-qualifying does not commit you to buying a car. If after the conversation you decide to think about it, walk the lot somewhere else, or wait a few months, that’s entirely your call. We won’t hassle you.
Fast. The form takes about 60 seconds. A bilingual team member will reach out within one business hour during open hours. Most pre-qualifications are answered the same day.
18 Months. 24,000 Miles.
Real Coverage.
Most “buy here pay here” dealers sell you the car and walk away. We don’t.
The majority of our vehicles include an 18-month / 24,000-mile limited warranty on covered mechanical components. That way if something goes wrong, you’re not stranded — and you’re not paying for it twice. Coverage details vary by vehicle. Ask which vehicles qualify when you visit.
Pre-Qualify Now →Buy Here Pay Here vs. Traditional Auto Loans
A lot of customers come to us not entirely sure what “buy here, pay here” means. The shortest version: at a traditional dealer, your loan application gets sent to a bank for approval — if the bank says no, you walk. At DriveWise, the dealership is the lender, so we approve the loan ourselves.
| What Matters | DriveWise (BHPH) | Bank / Credit Union Loan |
|---|---|---|
| Approves bad credit? | Yes — routinely | Often denied below ~620 |
| ITIN accepted? | Yes | Rarely |
| Down payment | Typically low; some under $1,000 | 10–20% common |
| Decision speed | Same day, usually within 1–2 hours | 1–3 business days |
| Builds credit? | Yes — payments reported to bureaus | Yes |
| Warranty included? | Most vehicles — 18 mo / 24,000 mi | Depends on dealer |
Worth being honest: BHPH interest rates are higher than what a 720-credit-score customer would get from a credit union. That’s the trade-off for being approved when the credit union said no. After 12 months of on-time payments, many DriveWise customers refinance their loan at a lower rate. We’ll help you understand the path.
What to Bring When You Come In
You don’t need every item on this list to get started. If you’re missing something, call ahead — we can usually work with what you have.
The DriveWise Documents Checklist
• Valid photo ID — driver’s license, state ID, passport, or matrícula consular. ITIN works in combination with a valid photo ID.
• Proof of income — two recent paystubs, or a recent bank statement, or (for self-employed customers) a recent tax return. Cash-paid? Bring two months of bank statements showing deposits.
• Proof of residence — a recent utility bill, lease agreement, or any official mail showing your name and current address.
• References — three to five names with phone numbers. Family members count.
• Down payment — cash, debit card, or cashier’s check. We’ll tell you the exact number after pre-qualification, so there are no surprises at the desk.
Real Reviews. Real Customers.
“No one would let me get a car but the folks here gave me an opportunity and now I’m driving to and from work everyday. Great service. Very professional. Quick and painless getting an auto loan.”
“I’ve used drivewise for years, they are quick and efficient and will get you into something nice, bad credit no credit doesn’t matter. Michelle at the lot in Cheyenne is absolutely fantastic!”
“I had just gotten a new job with higher title and pay, only downfall was I needed a reliable vehicle and had ruined my credit. DRIVEWISE hands down took care of me with affordable monthly payments and a car that fits mine and my family’s need.”
Two Stores. Same “We Say Yes.”
Both locations share inventory, share the approval team, and share the bilingual support.
Frequently Asked Questions
Honest answers. No fine-print games.
Ready to See What You Qualify For?
60 seconds. No credit hit. A real conversation with a real person, in English or Spanish.
Pre-Qualify Now →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. A formal credit application requires your written authorization. Vehicle warranty terms vary by vehicle — see your DriveWise team member for specifics. Colorado Dealer License [INSERT] · Wyoming Dealer License [INSERT].
