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

        $30 Oil Change Rebate

        $30 Mail-in Rebate* on the purchase of an ACDelco dexos1® or Mobil 1 oil change

        Coupon Code: 302
        Expires
        06-30-2018
        when purchased with a GM or BuyPower Card®** OR $15 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 7/31/18. Allow 6 to 8 weeks for delivery of debit card. Offer valid 5/1/18-6/30/18. Credit approval required. Terms and Conditions apply. New customers must apply via servicecardapply.com.

          6-Quart Oil Change

          Plus 4-Tire Rotation & Multi-Point Vehicle Inspection

          Coupon Code: 202
          $49.95*
          Expires
          12-31-2018
          ACDelco dexos1® full synthetic oil.**
          Offer Disclosure
          *Tire balancing, tax, and more than 6 quarts of oil extra. Excludes diesel engines. See dealer for eligible vehicles and details. Offer ends 12/31/18. ACDelco dexos1 is a trademark of General Motors.

            ACDelco Battery

            Most ACDelco Advantage Batteries

            Coupon Code: 206
            $114.95 Battery*
            $24.95 Installation*
            Expires
            12-31-2018
            No-charge battery test good on most GM vehicles.***
            Offer Disclosure
            *Tax extra. Advantage batteries for the 2013-2015 Chevrolet Camaro, 2014-2017 Chevrolet Silverado, GMC Sierra and GMC Yukon, and the 2015-2017 Suburban and Tahoe cost extra. Excludes AGM batteries. More on Chevrolet Camaro and Cruze and Cadillac ATS and CTS. Battery test excludes hybrid and electric batteries. See dealer for offer details. Offer ends 12/31/18.

              8-Quart Oil Change

              Plus 4-Tire Rotation & Multi-Point Vehicle Inspection

              Coupon Code: 212
              $59.95*
              Expires
              12-31-2018
              ACDelco dexos1® full synthetic oil.**
              Offer Disclosure
              *Tire balancing, tax, and more than 8 quarts of oil extra. Excludes diesel engines and medium-duty trucks. See dealer for eligible vehicles and details. Offer ends 12/31/18. ACDelco dexos1 is a trademark of General Motors.

                Tire Price Match Guarantee

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

                Coupon Code: 201
                Expires
                12-31-2018
                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 12/31/18.

                  Everyday Value Price

                  Most ACDelco Advantage Brake Pads Installed (per axle)

                  Coupon Code: 203
                  $99.95*
                  Expires
                  12-31-2018
                  Includes rotor inspection.
                  Offer Disclosure
                  *Turning or replacing rotors, all other services, and tax extra. Excludes medium-duty trucks, high-performance pads and other select vehicles. See dealer for eligible vehicles and details. Offer ends 12/31/18.

                    Air Conditioning Service

                    Coupon Code: 8
                    $119.95
                    Expires
                    08-20-2018
                    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
                      07-21-2018
                      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

                        Coupon Code: 16
                        $49.95
                        Expires
                        07-21-2018
                        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.

                          Lube, Oil & Filter

                          with Full Synthetic Oil

                          Coupon Code: 16
                          $79.95
                          Expires
                          07-21-2018
                          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.

                            Tire Rotation & Balance

                            Coupon Code: 43
                            $29.95
                            Expires
                            07-21-2018
                            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
                              07-21-2018
                              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