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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) 439-4859 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

        Tire Rotation & Balance

        Coupon Code: 43
        $29.95
        Expires
        11-19-2020
        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.
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        *Service Advisor use op code MROT29
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          Air Conditioning Service

          Coupon Code: 8
          $119.95
          Expires
          12-19-2020
          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.
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          *Service Advisor use op code MAC119
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            Four-Wheel Alignment

            Coupon Code: 40
            $79.95
            Expires
            11-19-2020
            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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              Lube, Oil & Filter

              Coupon Code: 16
              $49.95
              Expires
              11-19-2020
              More than 6 quarts of oil extra. See dealer for eligible vehicles and details. *ACDelco dexos1®. Excludes full synthetic oil and diesel engines.
              Offer Disclosure
              *Please contact us for more information.
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                ACDelco Advantage Car Rotors

                ACDelco Advantage Front Brake Rotors installed on most cars & small-SUVs

                Coupon Code: 214
                $199.95*
                Expires
                11-30-2020
                12 Months/Unlimited Mile Warranty**
                Offer Disclosure
                *Tax extra. Excludes Advantage Coated rotors, high-performance rotors, medium-duty trucks, and other select vehicles. **Please see your dealer to learn more about the warranty part details and qualifications.
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                  Professional Brake Pads

                  Most ACDelco Professional Front Brake Pads Installed

                  Coupon Code: 203
                  $149.95*
                  Expires
                  11-30-2020
                  24 Months/Unlimited Mile Warranty**
                  Offer Disclosure
                  *Installation and rotor inspection included. Turning or replacing rotors, all other services, and tax extra. Excludes high performance brake pads and some vehicles. **Please see your Dealer to learn more about the warranty part details and qualifications.
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                    Mobil 1® 8-Qt Oil Change

                    Mobil 1® Full Synthetic 8 Quart Oil Change

                    Coupon Code: 228
                    $99.95*
                    Expires
                    11-30-2020
                    Offer Disclosure
                    *Tax, and more than 8 quarts of oil extra. Excludes diesel engines. See owner's manual for specific oil grades recommended by vehicle model.
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                      dexos1® 6-Qt Oil Change

                      ACDelco dexos1® Full Synthetic 6 Quart Oil Change

                      Coupon Code: 204
                      $49.95*
                      Expires
                      11-30-2020
                      Offer Disclosure
                      *Tax, and more than 6 quarts of oil extra. Excludes diesel engines. See owner's manual for specific oil grades recommended by vehicle model.
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                        dexos1® 8-Qt Oil Change

                        ACDelco dexos1® Full Synthetic 8 Quart Oil Change

                        Coupon Code: 224
                        $59.95*
                        Expires
                        11-30-2020
                        Offer Disclosure
                        *Tax, and more than 8 quarts of oil extra. Excludes diesel engines. See owner's manual for specific oil grades recommended by vehicle model.
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                          Mobil 1® 6-Qt Oil Change

                          Mobil 1® Full Synthetic 6 Quart Oil Change

                          Coupon Code: 226
                          $89.95*
                          Expires
                          11-30-2020
                          Offer Disclosure
                          *Tax, and more than 6 quarts of oil extra. Excludes diesel engines. See owner's manual for specific oil grades recommended by vehicle model.
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                            SN Plus 8-Qt Oil Change

                            ACDelco SN Plus Synthetic Blend 8 Quart Oil Change

                            Coupon Code: 231
                            $59.95*
                            Expires
                            11-30-2020
                            Offer Disclosure
                            *Tax, and more than 8 quarts of oil extra. Excludes diesel engines. See owner's manual for specific oil grades recommended by vehicle model.
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                              ACDelco Advantage Truck Rotors

                              ACDelco Advantage Front Brake Rotors installed on most trucks & full-size SUVs

                              Coupon Code: 215
                              $249.95*
                              Expires
                              11-30-2020
                              12 Months/Unlimited Mile Warranty**
                              Offer Disclosure
                              *Tax extra. Excludes Advantage Coated rotors, high-performance rotors, medium-duty trucks, and other select vehicles. **Please see your dealer to learn more about the warranty part details and qualifications.
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                                SN Plus 6-Qt Oil Change

                                ACDelco SN Plus Synthetic Blend 6 Quart Oil Change

                                Coupon Code: 230
                                $49.95*
                                Expires
                                11-30-2020
                                Offer Disclosure
                                *Tax, and more than 6 quarts of oil extra. Excludes diesel engines. See owner's manual for specific oil grades recommended by vehicle model.
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                                  ACDelco Gold 30-Mo Battery

                                  Most ACDelco Gold (Professional) Batteries Installed

                                  Coupon Code: 207
                                  $199.95*
                                  Expires
                                  11-30-2020
                                  30-month free-replacement limited warranty**
                                  Offer Disclosure
                                  *Tax extra. Installation extra on some vehicles. **Please see your Dealer to learn more about exclusions and the warranty part details and qualifications.
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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
                                    12-31-2020
                                    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 12/31/2020.
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                                      Wiper Blades

                                      Good wipers $37.99 Better wipers $47.99 Best wipers $57.99

                                      $37.99
                                      Parts and labor included in price.
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                                      *Not all vehicles qualify. See dealer for details.
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