Cars-N-Credit - Winona
Cars-N-Credit - Winona is a buy here pay here dealership in Minnesota City offering in-house vehicle financing and sales.
Published · Details verified · Updated

Google rating
4.7 / 5
Reviews
397
Hours today
9:00 AM – 6:00 PM
Best for
Individuals seeking in-house vehicle financing and accessible car buying options.
About Cars-N-Credit - Winona
Cars-N-Credit - Winona is a buy here pay here dealer located at 7110 Martina Rd in Minnesota City, Minnesota. The dealership provides in-house financing options for customers seeking vehicle loans regardless of their credit history. It serves the local community by offering a straightforward car buying process designed to assist individuals who may face challenges securing traditional financing.
The dealership operates six days a week, closing on Wednesdays and Sundays to accommodate local shoppers. Staff members manage the sales process to ensure customers understand their options throughout the purchase. With a physical location in Minnesota City, Cars-N-Credit - Winona maintains regular business hours from 9:00 AM to 6:00 PM on most weekdays, with Saturday hours ending at 3:00 PM.
What financing does Cars-N-Credit - Winona offer?
- Down payments from $100
- In-house financing
- Bad or no credit welcome
- Warranty offered
- Low or zero down options
What does Cars-N-Credit - Winona offer?
- Buy here pay here financing
- In-house auto loans
- Used car sales
- Vehicle financing assistance
Why customers choose Cars-N-Credit - Winona
Friendly and helpful staff
Simple car buying process
Concerns regarding gap coverage
- Located at 7110 Martina Rd, Minnesota City, MN
- Offers in-house financing for vehicle purchases
- Maintains a 4.7-star rating based on 397 reviews
- Open Monday through Saturday with evening hours until 6:00 PM
When is Cars-N-Credit - Winona open?
| Monday | 9:00 AM – 6:00 PM |
| Tuesday | 9:00 AM – 6:00 PM |
| Wednesday | Closed |
| Thursday | 9:00 AM – 6:00 PM |
| Friday | 9:00 AM – 6:00 PM |
| Saturday | 9:00 AM – 3:00 PM |
| Sunday | Closed |
Where is Cars-N-Credit - Winona located?
7110 Martina Rd, Minnesota City, MN 55959What do customers say about Cars-N-Credit - Winona?
This was the easiest and friendliest car buying experience I've ever had. Dylan was a great help and he did all he could too make sure I was happy with my purchase. Thank you to Katie, she started off my process and Damien contacted me too make sure I was good. These guys are a great bunch and I'll recommend all my friends and family who a need a car and there credit is not cutting it.....THANK YOU!!!! FOR GIVING ME MY NEW RIDE 2017 Ford Escape!! MEET SALLY
After my recent incident, I was stressed and unsure about what to do next, but the car dealership treated me with so much respect and patience. They walked me through my options, explained everything clearly, and truly worked with me to get into a new car. They didn’t pressure me — they supported me. During a difficult time, that meant everything. I’m grateful for how smoothly they handled the process and for helping me move forward with confidence
Amazing group of people who actually care about the people they help. Very honest and upfront. They make the process quick and very simple. We went and got my daughter her first vehicle in mankato and it was such a great experience. I was very impressed with the quality of the vehicles they have as well as the prices. I ended up coming back a few weeks later to get myself a vehicle and im very happy I did. I'd absolutely recommend cars n credit to ANYONE whose looking to get into a reliable vehicle with payments to fit just about any budget.
All of the staff were very friendly, patient,positive and really there to help. It was a great experience and I definitely felt like I was treated like a person and not a sale. I would highly recommend Cars-N-Credit to anyone looking for a fun and comfortable car buying experience!
Written on 7/3/2026 Do NOT buy from this Buy Here Pay Here. This is the worst dealer you could possibly go to. Our car was recently TOTALED in an accident. We have full GAP coverage through them, which they promised would take care of the remaining balance. Instead, C&C has left us completely high and dry. They refuse to look at the GAP paperwork or take care of anything, yet they are STILL demanding monthly payments for a vehicle that is sitting in a salvage yard. When I called to ask to speak to a manager, they took my last name and promised a callback. They never called. When I tried calling them back to follow up, I discovered they BLOCKED MY NUMBER. If you look at their profile, the owner doesn't even interact with customers—the last time they responded to a review trying to fix an issue was NINE years ago. The owner does not care about anything or anyone other than himself. If this gets removed again, I will be back to add another date and repost. They deserve a zero-star option. Avoid this shady business at all costs.
Questions about Cars-N-Credit - Winona
Does Cars-N-Credit - Winona offer in-house financing?
Cars-N-Credit - Winona provides in-house financing to help customers purchase vehicles. This buy here pay here model allows the dealer to manage the loan process directly at their Minnesota City location.
What are the business hours for Cars-N-Credit - Winona?
Cars-N-Credit - Winona is open Monday, Tuesday, Thursday, and Friday from 9:00 AM to 6:00 PM. The dealership is also open Saturdays from 9:00 AM to 3:00 PM and remains closed on Wednesdays and Sundays.
How can I contact Cars-N-Credit - Winona?
Cars-N-Credit - Winona can be reached by phone at +1 507-452-7172. You can also visit their official website for additional information regarding their auto loan services.



