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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

        $100 Tire Rebate

        $100 Mail-in Rebate* on a set of four tires from BFGoodrich, Dunlop, and General

        Coupon Code: 306
        Expires
        04-30-2019
        when purchased with a GM or BuyPower Card®** OR $50 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 5/31/19. Allow 6 to 8 weeks for delivery of debit card. Offer valid 3/1/19-4/30/19. Credit approval required. Terms and Conditions apply. Talk to your Service Advisor to apply.
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          $140 Tire Rebate

          $140 Mail-in Rebate* on a set of four tires from Firestone and Michelin

          Coupon Code: 307
          Expires
          04-30-2019
          when purchased with a GM or BuyPower Card®** OR $70 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 5/31/19. Allow 6 to 8 weeks for delivery of debit card. Offer valid 3/1/19-4/30/19. Credit approval required. Terms and Conditions apply. Talk to your Service Advisor to apply.
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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
            06-30-2019
            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
              06-30-2019
              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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                Tire Rotation & Balance

                Coupon Code: 43
                $29.95
                Expires
                06-20-2019
                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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                  $200 Tire Rebate

                  $200 Mail-in Rebate* on a set of four tires when purchased with a GM or BuyPower Card®**

                  Coupon Code: 301
                  Expires
                  04-30-2019
                  OR $100 Mail-In Rebate* with any other form of payment. Eligible tire brands: Bridgestone, Continental, Goodyear, Hankook, and Pirelli.
                  Offer Disclosure
                  *See dealer or mycertifiedservicerebates.com for details and rebate form, which must be postmarked by 5/31/19. Allow 6 to 8 weeks for delivery of debit card. Offer valid 3/1/19-4/30/19. Credit approval required. Terms and Conditions apply. Talk to your Service Advisor to apply.
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                    $80 Tire Rebate

                    $80 Mail-in Rebate* on a set of four tires from Uniroyal

                    Coupon Code: 312
                    Expires
                    04-30-2019
                    when purchased with a GM or BuyPower Card®** OR $40 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 5/31/19. Allow 6 to 8 weeks for delivery of debit card. Offer valid 3/1/19-4/30/19. Credit approval required. Terms and Conditions apply. Talk to your Service Advisor to apply.
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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
                      06-30-2019
                      Offer Disclosure
                      *Tax and more than 6 quarts of oil extra. Excludes diesel engines. See dealer for details.
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                        TPMS Rebate

                        $10 Mail-in Rebate* on a GM OE or ACDelco Professional Tire Pressure Monitoring System sensor

                        Coupon Code: 313
                        Expires
                        04-30-2019
                        Purchase and installation included.
                        Offer Disclosure
                        *See dealer or mycertifiedservicerebates.com for details and rebate form, which must be postmarked by 5/31/19. Allow 6 to 8 weeks for delivery of debit card. Offer valid 3/1/19-4/30/19.
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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
                          06-30-2019
                          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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                            $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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                              Air Conditioning Service

                              Coupon Code: 8
                              $119.95
                              Expires
                              07-20-2019
                              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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                                Four-Wheel Alignment

                                Coupon Code: 40
                                $79.95
                                Expires
                                06-20-2019
                                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
                                  06-30-2019
                                  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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                                      Lube, Oil & Filter

                                      Coupon Code: 16
                                      $49.95
                                      Expires
                                      06-20-2019
                                      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.
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                                        4-Tire Rotation

                                        Coupon Code: 242
                                        $29.95*
                                        Expires
                                        05-31-2019
                                        Offer Disclosure
                                        *Tire balancing and tax extra. See dealer for details.
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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 4/1/19-6/30/19.
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                                            Professional Silver Battery

                                            Most ACDelco Professional Silver Batteries Installed

                                            Coupon Code: 207
                                            $199.95*
                                            Expires
                                            06-30-2019
                                            Offer Disclosure
                                            *Tax extra. Excludes some vehicles and batteries. See dealer for details.
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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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