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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

        $10 Wiper Blade Rebate

        $10 Mail-in Rebate* on the purchase and installation of any GM OE or ACDelco wiper blade

        Coupon Code: 308
        Expires
        12-31-2018
        when purchased with a GM or BuyPower Card®** OR $5 Mail-in Rebate* with any other form of payment.
        Offer Disclosure
        *See dealer or mycertifiedservicerebates.com for details and rebate form, which must be postmarked by 1/31/19. Allow 6 to 8 weeks for delivery of debit card. Offer valid 12/1/18-12/31/18. Credit approval required. Terms and conditions apply. New customers must apply via servicecardapply.com.

          Air Conditioning Service

          Coupon Code: 8
          $119.95
          Expires
          03-15-2019
          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

            Lube, Oil & Filter

            Coupon Code: 16
            $49.95
            Expires
            02-13-2019
            More than 6 quarts of oil extra. See dealer for eligible vehicles and details. *ACDelco dexos1®. Excludes full synthetic oil and diesel engines. Plus tax and supplies. Coupon valid at check in only.
            Offer Disclosure
            *Advisor use op code MCARADEXOS

              Lube, Oil & Filter

              with Full Synthetic Oil

              Coupon Code: 16
              $79.95
              Expires
              02-13-2019
              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.

                Lube, Oil & Filter

                Coupon Code: 16
                $49.95
                Expires
                02-13-2019
                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.

                  Tire Rotation & Balance

                  Coupon Code: 43
                  $29.95
                  Expires
                  02-13-2019
                  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

                    Four-Wheel Alignment

                    Coupon Code: 40
                    $79.95
                    Expires
                    02-13-2019
                    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