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Auto Financing FAQ - Ghent Chevrolet


Buying a car can be a headache. First, you examine the Chevrolet car or truck you desire, and next you must seek out answers to your financial questions. Ghent Chevrolet would like to make car buying in Greeley as easy as possible for you, which is why we supply an auto financing FAQ. If you can't locate the answers to your questions on this page, then give us a call at (970) 373-4486 and one of our finance professionals will be in touch.

    What Does This Auto Financing Jargon Mean?

    1. Precisely what is APR or Annual Percentage Rate?
       APR is the interest rate expressed annually on the unpaid balance of your auto loan. 
    2. What factors influence my APR rate? 
      There are several variables associated with defining APR rates. One element is current economic bank rates, another is credit history, a third is your down payment on the auto loan, a fourth is the quantity you want to finance, as well as the type of vehicle you're financing and the length of your financing contract. 
    3. What is Fixed Rate Financing? 
      Fixed Rate Financing is where the finance rate stays exactly the same over the life of the auto loan, making your repayments the exact same over the duration of your loan. 
    4. What is Variable Rate Financing? 
      Variable Rate Financing is where the finance rate changes dependent upon market trends, making the amount you pay over the life span of the loan fluctuate compared to market bank rates. 
    5 .What is Wholesale Rate? 
      The Wholesale rate signifies the rate at which the assignee acquires a retail installment sale contract from Ghent Chevrolet. 
    6. Who is the Assignee? 
      The assignee is the bank that purchases your auto loan from Ghent Chevrolet.

      What info will Ghent Chevrolet ask of you when applying for an auto loan?


      Expect to supply some, if not all, of the below details to Ghent Chevrolet when applying for an auto loan.
      1. Your name 
      2. Social Security number 
      3. Date of birth 
      4. Current and previous address 
      5. Current and previous employer 
      6. Sources of income 
      7. Gross monthly income 
      8. Financial information that may consist of current credit accounts and other debt obligations 
      9. Credit rating obtained through a credit check

        Service And Parts Specials

        Battery Rebate

        $10 Mail-in Rebate* on the purchase and installation of an ACDelco Professional Battery

        Coupon Code: 309
        Expires
        07-31-2019
        Offer Disclosure
        *See dealer or mycertifiedservicerebates.com for details and rebate form, which must be postmarked by 8/31/19. Limit one rebate per VIN. Allow 6 to 8 weeks for delivery of debit card. Offer valid 6/1/19-7/31/19.
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          8-Quart dexos1® Oil Change

          ACDelco dexos1® Full Synthetic Oil Change, and Multi-Point Vehicle Inspection

          Coupon Code: 224
          $59.95*
          Expires
          08-31-2019
          Offer Disclosure
          *Tax and more than 8 quarts of oil extra. Excludes diesel engines. See dealer for details.
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            ACDelco Professional Brakes

            Most ACDelco Professional Front Brake Pads Installed, including rotor inspection.

            Coupon Code: 203
            $149.95*
            Expires
            08-31-2019
            Offer Disclosure
            *Turning or replacing rotors, all other services, and tax extra. Excludes some brake pads and vehicles. See dealer for details.
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              6-Quart dexos1® Oil Change

              ACDelco dexos1® Full Synthetic Oil Change & Multi-Point Vehicle Inspection

              Coupon Code: 204
              $49.95*
              Expires
              08-31-2019
              Offer Disclosure
              *Tax and more than 6 quarts of oil extra. Excludes diesel engines. See dealer for details.
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                ACDelco Brakes & Car Rotors

                Most ACDelco Professional Front Brake Pads and select ACDelco Advantage Front Rotors Installed

                Coupon Code: 214
                $149.95 Pads*
                $199.95 Rotors*
                Expires
                08-31-2019
                Offer Disclosure
                *Rotor price shown is for cars and small SUVs. Tax extra. Excludes Advantage Coated rotors, high-performance pads & rotors and other select vehicles. See dealer for details.
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                  Brake Pad Rebate

                  $20 Mail-in Rebate* on GM OE brake pads OR $10 on ACDelco Professional brake pads

                  Coupon Code: 303
                  Expires
                  07-31-2019
                  Offer Disclosure
                  *Purchase and installation included. See dealer or mycertifiedservicerebates.com for details and rebate form, which must be postmarked by 8/31/19. Limit two rebates per VIN. Allow 6 to 8 weeks for delivery of debit card. Offer ends 7/31/19.
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                    $250 Powertrain Rebate

                    $250 mail-in rebate* on an eligible GM Genuine Parts Engine, Transmission or Transfer Case

                    Coupon Code: 317
                    Expires
                    12-31-2019
                    with the purchase of $300 worth of GM Genuine or ACDelco parts. Purchase and installation included.
                    Offer Disclosure
                    *with the purchase of $300 on GM Genuine or ACDelco parts. Excludes Saab, Chevrolet Med/HD and GMC Med/HD Trucks. Not valid with other offers. Limit one rebate per service performed per date and vehicle. Allow 6 to 8 weeks from end date for delivery of debit card. See dealer or mycertifiedservicerebates.com for complete details, eligible parts and rebate form, which must be postmarked by 1/31/20. Offer ends 12/31/19.
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                      Engine Air Filter Rebate

                      $10 Mail-in Rebate* on the purchase and installation of an ACDelco Professional engine air filter

                      Coupon Code: 315
                      Expires
                      07-31-2019
                      Offer Disclosure
                      *See dealer or mycertifiedservicerebates.com for details and rebate form, which must be postmarked by 8/31/19. Limit one rebate per VIN. Allow 6 to 8 weeks for delivery of debit card. Offer valid 6/1/19-7/31/19.
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                        Air Conditioning Service

                        Coupon Code: 8
                        $119.95
                        Expires
                        09-13-2019
                        Performance test system. Inspect system for leaks. Check drive belt condition and tension. Check hoses. Up to 1lb of refrigerant of 134A. Plus tax and supplies. Not valid with other offers. Coupon valid at vehicle check-in only.
                        Offer Disclosure
                        *Service Advisor use op code MAC119
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                          Wiper Blade Rebate

                          $5 Mail-in Rebate* on the purchase and installation of any GM OE or ACDelco wiper blade

                          Coupon Code: 308
                          Expires
                          07-31-2019
                          Offer Disclosure
                          *See dealer or mycertifiedservicerebates.com for details and rebate form, which must be postmarked by 8/31/19. Limit three rebates per VIN (one per blade). Allow 6 to 8 weeks for delivery of debit card. Offer valid 6/1/19-7/31/19.
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                            Cabin Air Filter Rebate

                            $10 Mail-in Rebate* on the purchase and installation of a GM OE or ACDelco cabin air filter

                            Coupon Code: 314
                            Expires
                            07-31-2019
                            Offer Disclosure
                            *See dealer or mycertifiedservicerebates.com for details and rebate form, which must be postmarked by 8/31/19. Limit one rebate per VIN. Allow 6 to 8 weeks for delivery of debit card. Offer valid 6/1/19-7/31/19.
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                              4-Tire Rotation

                              Coupon Code: 242
                              $29.95*
                              Expires
                              08-31-2019
                              Offer Disclosure
                              *Tire balancing and tax extra. See dealer for details.
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                                UP TO $100 STATEMENT CREDIT

                                Apply for the BuyPower Card® right in our service lane.

                                Coupon Code: 316
                                Expires
                                07-31-2019
                                If instantly approved*, use it for service, parts or accessories and get up to a $100 statement credit**. Talk to a Dealer Service Advisor for details.
                                Offer Disclosure
                                *Credit approval required. Terms and conditions apply. The customer must apply with their Service Advisor to be eligible for this one-time statement credit offer. The value of the statement credit will be equal to the amount the customer spends on his/her first service, parts or accessories purchase at the dealership, up to a value of $100 and no greater. Account must be current and in good standing. The customer must purchase those parts/services using their newly opened BuyPower Card or GM Extended Family Card Account within the first 30 days of opening a new Account. If the credit decision is deferred and is approved at a later time, or should the customer receive instant credit and choose to wait to make a purchase, they will be eligible to receive this promotion within the first 30 days of application approval. This statement credit will appear on either the first or second statement. Dealership must be enrolled in the GM Rewards Cards Program for Service to participate. Offer ends 8/31/19.
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                                  Four-Wheel Alignment

                                  Coupon Code: 40
                                  $79.95
                                  Expires
                                  08-14-2019
                                  Check steering, suspension and shocks. Set toe-in, camber and caster (where applicable). Check tie-rods and ball joints. Check tire pressure and inspect tires for cuts, damage, and uneven wear. Plus tax and supplies. Coupon valid at vehicle check-in only.
                                  Offer Disclosure
                                  *Service advisor use op code M4WA79
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                                    ACDelco Brakes & Truck Rotors

                                    Most ACDelco Professional Front Brake Pads and select ACDelco Advantage Front Rotors Installed

                                    Coupon Code: 215
                                    $149.95 Pads*
                                    $249.95 Rotors*
                                    Expires
                                    08-31-2019
                                    Offer Disclosure
                                    *Rotor price shown is for mid-size SUVs, full-size SUVs, and trucks. Tax extra. Excludes Advantage Coated rotors, high-performance pads & rotors and other select vehicles. See dealer for details.
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                                      Tire Price Match Guarantee

                                      Provide us with a better price at the time of purchase and we'll match it.

                                      Coupon Code: 201
                                      Expires
                                      12-31-2019
                                      Find a better price within 30 days of the purchase, and we'll refund the difference.* Eligible Tire Brands: BFGoodrich, Bridgestone, Continental, Dunlop, Firestone, General, Goodyear, Hankook, Kelly, Michelin, Pirelli, and Uniroyal.
                                      Offer Disclosure
                                      *Ad, written estimate, or Internet quote for identical tire(s) from a competing tire retailer/installer located within 100 miles of the dealer required during guarantee period for price match. Offer ends 12/31/19.
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                                        Oil Change Rebate

                                        $15 Mail-in Rebate* on the purchase of an ACDelco dexos® or Mobil 1® oil change

                                        Coupon Code: 302
                                        Expires
                                        07-31-2019
                                        Offer Disclosure
                                        *See dealer or mycertifiedservicerebates.com for details and rebate form, which must be postmarked by 8/31/19. Limit one rebate per VIN. Allow 6 to 8 weeks for delivery of debit card. Offer ends 7/31/19.
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                                          My GM Rewards Bonus Points

                                          Earn 2,000 bonus points for an eligible customer paid service event*

                                          Coupon Code: 305
                                          Expires
                                          06-30-2019
                                          Offer Disclosure
                                          *Must be My GM Rewards member by time of service in order to earn points. Excludes taxes, fees and body shop repair orders. Limit one offer per member. Eligible repair must be completed at a participating dealer on or before 7/1/19. Bonus points may take up to two weeks to be credited to your account and expire 5 years after points are earned. Offer valid 4/1/19-7/1/19.
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                                            Professional Silver Battery

                                            Most ACDelco Professional Silver Batteries Installed

                                            Coupon Code: 207
                                            $199.95*
                                            Expires
                                            08-31-2019
                                            Offer Disclosure
                                            *Tax extra. Excludes some vehicles and batteries. See dealer for details.
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                                              Tire Rotation & Balance

                                              Coupon Code: 43
                                              $29.95
                                              Expires
                                              08-14-2019
                                              Rotate and balance your tires. Tire Rotations may not be recommended for all models. Check your owner's manual for details. Some vehicles slightly higher. Not valid with other offers. Plus tax and supplies. Coupon valid at vehicle check-in only.
                                              Offer Disclosure
                                              *Service Advisor use op code MROT29
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                                                Lube, Oil & Filter

                                                with Full Synthetic Oil

                                                Coupon Code: 16
                                                $89.95
                                                Expires
                                                08-14-2019
                                                Excludes diesel engines. More than five quarts of oil and tax extra. See dealer for eligible vehicles and details. Not valid with other offers.
                                                Offer Disclosure
                                                *Filter cost may be higher on some models.
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                                                  Free Tire Rotation

                                                  With purchase of oil change

                                                  Free Tire Rotation with purchase of oil change. Please call us for details!
                                                  Offer Disclosure
                                                  *Valid At Ghent Chevrolet Cadillac. Must Present Coupon At Time Of Service Write-up.
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