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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

        ACDelco Silver (ACDelco Advantage) Front Brake Rotors

        Installed on most cars & small SUVs

        Coupon Code: 214
        $199.95*
        Expires
        05-03-2021
        12 Months/Unlimited Mile Warranty**
        Offer Disclosure
        *Tax extra. Excludes Advantage Coated rotors, high-performance rotors, medium-duty trucks, and other select vehicles. Some ACDelco Silver parts may have formerly appeared as ACDelco Advantage. **Please see Dealer to learn more about the warranty part details and qualifications.

          ACDelco Silver (ACDelco Advantage) Front Brake Rotors

          Installed on most trucks and full-size SUVs

          Coupon Code: 215
          $249.95*
          Expires
          05-03-2021
          12 Months/Unlimited Mile Warranty**
          Offer Disclosure
          *Tax extra. Excludes Advantage Coated rotors, high-performance rotors, medium-duty trucks, and other select vehicles. Some ACDelco Silver parts may have formerly appeared as ACDelco Advantage. **Please see Dealer to learn more about the warranty part details and qualifications.

            Air Conditioning Service

            Coupon Code: 8
            $119.95
            Expires
            06-02-2021
            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

              8-Quart Mobil 1® Full Synthetic Oil Change

              Coupon Code: 228
              $99.95*
              Expires
              05-03-2021
              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.

                6-Quart Mobil 1® Full Synthetic Oil Change

                Coupon Code: 226
                $89.95*
                Expires
                05-03-2021
                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.

                  8-Quart ACDelco GM OE dexos1® Full Synthetic Oil Change

                  Coupon Code: 224
                  $59.95*
                  Expires
                  05-03-2021
                  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.

                    Tire Rotation & Balance

                    Coupon Code: 43
                    $29.95
                    Expires
                    05-03-2021
                    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

                      6-Quart ACDelco GM OE dexos1® Full Synthetic Oil Change

                      Coupon Code: 204
                      $49.95*
                      Expires
                      05-03-2021
                      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.

                        Most ACDelco Gold (ACDelco Professional) Front Brake Pads Installed

                        24 Months/Unlimited Mile Warranty**

                        Coupon Code: 203
                        $149.95*
                        Expires
                        05-03-2021
                        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. Some ACDelco Gold parts may have formerly appeared as ACDelco Professional. **Please see your dealer to learn more about the warranty part details and qualifications.

                          8-Quart ACDelco SN Plus Synthetic Blend Oil Change

                          Coupon Code: 231
                          $64.95*
                          Expires
                          05-03-2021
                          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.

                            Most ACDelco Gold 30-MO (ACDelco Professional) Batteries Installed

                            30-month free-replacement limited warranty**

                            Coupon Code: 207
                            $199.95*
                            Expires
                            05-03-2021
                            Offer Disclosure
                            *Tax extra. Installation extra on some vehicles. Some ACDelco Gold parts may have formerly appeared as ACDelco Professional. **Please see your Dealer to learn more about exclusions and the warranty part details and qualifications.

                              Four-Wheel Alignment

                              Coupon Code: 40
                              $79.95
                              Expires
                              05-03-2021
                              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

                                Lube, Oil & Filter

                                Coupon Code: 16
                                $54.95
                                Expires
                                05-03-2021
                                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

                                  Struts Rebate

                                  $80 rebate* on the purchase and installation of four GM Genuine Parts Struts or $40 rebate* on four ACDelco Struts

                                  Coupon Code: 320
                                  Expires
                                  04-30-2021
                                  Offer Disclosure
                                  *Purchase must be made at a participating U.S. GM dealer. See mycertifiedservicerebates.com for details and rebate form, which must be postmarked by 5/31/2021. Limit four strut rebates per VIN. Allow 6 to 8 weeks for delivery of debit card. Offer valid 3/1/2021-4/30/2021

                                    $50 Tire Rebate

                                    $50 rebate* on a set of four tires from BFGoodrich, Dunlop, and General

                                    Coupon Code: 306
                                    Expires
                                    04-30-2021
                                    Offer Disclosure
                                    *Purchase must be made at a participating U.S. GM dealer. See mycertifiedservicerebates.com for details and rebate form, which must be postmarked by 5/31/2021. Allow 6 to 8 weeks for delivery of debit card. Offer valid 3/1/2021-4/30/2021.

                                      Shocks Rebate

                                      $80 rebate* on the purchase and installation of four GM Genuine Parts Shocks or $40 rebate* on four ACDelco Shocks

                                      Coupon Code: 319
                                      Expires
                                      04-30-2021
                                      Offer Disclosure
                                      *Purchase must be made at a participating U.S. GM dealer. See mycertifiedservicerebates.com for details and rebate form, which must be postmarked by 5/31/2021. Limit four shock rebates per VIN. Allow 6 to 8 weeks for delivery of debit card. Offer valid 3/1/2021-4/30/2021.

                                        Brake Rotor Rebate

                                        $40 rebate* on the purchase and installation of four GM Genuine Parts or ACDelco Brake Rotors

                                        Coupon Code: 318
                                        Expires
                                        04-30-2021
                                        Offer Disclosure
                                        *Purchase must be made at a participating U.S. GM dealer. Visit mycertifiedservicerebates.com for details and rebate form, which must be postmarked by 5/31/2021. Limit four $10 brake rotor rebates per VIN. Allow 6 to 8 weeks for delivery of debit card. Offer valid 3/1/2021-4/30/2021.

                                          $70 Tire Rebate

                                          $70 rebate* on a set of four tires from Firestone and Michelin

                                          Coupon Code: 307
                                          Expires
                                          04-30-2021
                                          Offer Disclosure
                                          *Purchase must be made at a participating U.S. GM dealer. See mycertifiedservicerebates.com for details and rebate form, which must be postmarked by 5/31/2021. Allow 6 to 8 weeks for delivery of debit card. Offer valid 3/1/2021-4/30/2021.

                                            Brake Pad Rebate

                                            $40 rebate* on the purchase and installation of front and rear GM Genuine Parts Brake Pads OR $20 on front and rear ACDelco Brake Pads

                                            Coupon Code: 303
                                            Expires
                                            04-30-2021
                                            Offer Disclosure
                                            *Purchase must be made at a participating U.S. GM dealer. Visit mycertifiedservicerebates.com for details and rebate form, which must be postmarked by 5/31/2021. Limit two brake pad rebates per VIN (one per axle). Allow 6 to 8 weeks for delivery of debit card. Offer valid 3/1/2021-4/30/2021.

                                              $100 Tire Rebate

                                              $100 rebate* on a set of four tires from Bridgestone, Continental, Goodyear, Hankook, and Pirelli

                                              Coupon Code: 301
                                              Expires
                                              04-30-2021
                                              Offer Disclosure
                                              *Purchase must be made at a participating U.S. GM dealer. See mycertifiedservicerebates.com for details and rebate form, which must be postmarked by 5/31/2021. Allow 6 to 8 weeks for delivery of debit card. Offer valid 3/1/2021-4/30/2021.

                                                $200 GM Genuine Parts Transmission Visa® Prepaid Card*

                                                $200 Visa® Prepaid Card* on the purchase and installation of an eligible GM Genuine Parts Engine, Transmission, or Transfer Case.

                                                Coupon Code: 317
                                                Expires
                                                03-31-2021
                                                Offer Disclosure
                                                *Mail-in rebate available to retail customers with a U.S. mailing address only. Must purchase and install at a participating Chevrolet, Buick, GMC, or Cadillac dealer located in the United States or U.S. territories during the offer period. Transmissions exclude Saab, Chevrolet Medium-/Heavy-Duty Trucks, and GMC Medium-/Heavy-Duty Trucks. Rebate offer not valid with other offers. Limit one rebate per service performed per date and vehicle. Allow 6 to 8 weeks from promotion end date for delivery of Visa Prepaid Card. See mycertifiedservicerebates.com for complete details, eligible parts, and rebate form, which must be postmarked by 4/30/2021. Offer ends 3/31/2021.

                                                  Tire Price Match Guarantee

                                                  Provide us with a better price at the time of purchase and we'll match it. Find a better price within 30 days of the purchase, and we'll refund the difference.*

                                                  Coupon Code: 201
                                                  Expires
                                                  12-31-2021
                                                  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. At Participating Dealers Only. Offer ends 12/31/2021.

                                                    Wiper Blades

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

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