At Tom Kadlec Car Credit located in Rochester, MN, we have over 30 years’ experience helping customers with custom financing. We understand that consumers today are busy and don’t have the time to go from dealer to dealer to try and get approved. We offer a one stop, wall-to-wall service that guides you through the entire financing and car buying processes. Our financial experts will help you get from the initial loan paperwork through the final purchasing process, all the while helping you get the best rate possible. They will even personally show you all the features of your car before you drive it off the lot.

If you have experienced credit problems in the past, whether it was a bankruptcy, foreclosure, divorce, collections or just late payments, you may have been made to feel less than valuable. We understand that many times these problems are beyond your control. We believe that treating any potential customer with respect, honesty and the appropriate confidentiality is the only way to do business. We are here to help you get a car at the best possible terms under the best possible conditions, this in turn will help you reestablish and raise your credit worthiness. You are not alone, over 30% of today's automotive buyers who apply for a conventional auto loan do not qualify.

So, if you have ever been turned down for an auto loan, or haven't established your credit, don't be discouraged. We will help you rebuild your credit while allowing you to acquire a late model used car, truck, SUV or van regardless of your past credit issues.

As soon as you walk through the door, you will be able to sit down with one of our financial advisors, work out a deal on a car loan, select a vehicle that fits within your budget, then create a payment plan that is right for you. Our advisors will help you find a car that is not only affordable, but that matches your person style.

No Credit, No Problem

Even if you have little or no credit, have filed for chapter 7 or 13 bankruptcy or have been consistently turned down by other dealers, we can help you get the financing that you need. Our experienced finance department has helped thousands of people rebuild their credit and drive a safe, dependable car. Our National Lender Partners finance your future not your past. We understand that sometimes bad things happen to good people. Divorce, illness, loss of a job or other events can wreck a person's credit. WE UNDERSTAND! Here at we offer a no hassle no pressure experience.

Ready to get started? Fill out our credit application today!

Tom Kadlec Kia  

4444 Hwy 52
Rochester, MN 55901
Phone (866)333-5133


Monday:9:00 AM - 7:00 PM
Tuesday:9:00 AM - 7:00 PM
Wednesday:9:00 AM - 7:00 PM
Thursday:9:00 AM - 7:00 PM
Friday:9:00 AM - 6:00 PM
Saturday:9:00 AM - 5:00 PM