We want your vehicle! Get the best value for your trade-in!

603 9th Ave SE
Watertown, SD 57201

(605) 566-5810

Find your next car at STERLING MOTORS in Watertown, SD

Fill out our quick credit application for easy approval!
Shop with confidence knowing you're approved!
Stop by and get a feel for your ride before you buy.

Will I Be Approved?

We work with applicants throughout the whole process to make sure they get approved! In many cases, we are the bank, so we have a lot of flexibility and solutions for every type of credit no matter how bad. Many other lenders can't say that!

We hold our standards high to get you approved to make sure you have the best experience applying for an auto loan online. We are the dealership not a referral service, you are working directly with the financial source, we are not a middle man, like many of our competitors. See our inventory.

How Long Does It Take?

Our application only takes a few minutes to complete. All we need is a little bit of your information so we can offer the best possible solution for you. After the application is filled out and submitted, you could hear back within minutes! Our team has you covered no matter what your credit situation.

After you speak to a representative about your options for financing, it won't be long before you pick up the keys to your car. Many of our customers have driven their vehicle home the same day they applied.


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About Us

Get Approved Fast!

Driving a dependable vehicle is a must. Your vehicle gets you to work on time everyday and gets your family everywhere life takes you. Unfortunately, it's not always very easy to get an auto loan. Obtaining an auto loan requires good credit and most people just don't have that.

We Approve Everyone Regardless of Credit Score!

We take pride in finding you financing options that fit your budget. You can rest easy knowing that you can afford a dependable, safe vehicle and work on rebuilding your credit score at the same time when you shop for your next car at Sterling Motors. We specialize in bad credit car loans and buy here pay here options.

Visit One of Our Locations!

Whether you just started looking for your next car or you are ready to start the approval process, you are always welcome at our dealership in Watertown. You can speed up the approval process by visiting us in person with the following items.

1. Most recent pay stub
2. Utility bill or lease agreement in your name
3. Down payment in cash

We would love to help with any questions about financing or our current inventory. Just contact us by phone or online and we’d be happy to answer any questions you may have.


603 9th Ave SE
Watertown, SD 57201