Welcome to Our Financing Department

Discover Our Guaranteed Financing Advantage
Everyone deserves an affordable vehicle, regardless of their credit score. We take the time to learn your unique situation, then help you find the perfect vehicle to suit your needs. Get started!

Help With Almost Any Credit Situation
As a "customer focused" dealership with more than 50 years of experience working with special credit situations, we have the ability to assist you regardless of:
  • Bad Credit
  • No Credit
  • Charged-off Accounts
  • Unpaid Medical Bills
  • Bankruptcy
  • Repossessions

Our Promise to You
Whatever your situation, we can promise you one thing: you'll enjoy your car buying experience. Just look at what our guests have been saying about Metro Cars & Credit:

I worked with Jody at this location, and I would recommend this place to everyone !!!! He had me pretty much approved in a day and we drove home the next ! The car buying experience is so easy here. They work with your credit, and pretty much make you want to be a forever customer . I will be coming to them for all of my future car needs. Thank you!!!!!!
- Christina Young

Mark was fabulous, Daryl was also very helpful, even though I hit a few bumps in the road getting all the paperwork together and the down-payment etc the whole team was very helpful and made the process go as smoothly as possible. They are very accommodating if you have to bring a child or children with, cartoons on the TV, gave her popcorn, they have books and stuffed animals, my 3yr old was a happy camper!! Thanks again guys!! I will definitely recommend Metro Cars And Credit to everyone in need of a nice reliable vehicle. These guys really go above and beyond!!!
- Janae Vonch

Daryl is one of the best people to deal with in this industry
- Michelle Petrusson

When I didn't have hope on getting approved for a car... Jody did it. Thank you!
- Nita Chetana

Let Our Finance Department Help You

Contact Information

Purchase Timeframe

Your privacy is important to us.

Luther Bargain Lot takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.


Luther Bargain Lot

3701 Alabama Ave S
Directions Saint Louis Park, MN 55416

  • Sales: 612-276-3093


  • Monday 9:00AM - 8:00PM
  • Tuesday 9:00AM - 8:00PM
  • Wednesday 9:00AM - 8:00PM
  • Thursday 9:00AM - 8:00PM
  • Friday 9:00AM - 6:00PM
  • Saturday 9:00AM - 6:00PM
  • Sunday Closed