Access fair offers and incentives through GM Financial, crafted for the vehicles we build.
Get it all done in one place. Your local U.S. Chevy dealer handles the truck and the financing.
Real-world loan and lease choices that respect your budget and your hard work.
Invest in a Certified Pre-Owned Chevy or add a protection plan for long-term dependability.
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The Straight Deal: Financing Through Your Chevy Dealer+
You don’t have time for the runaround, and we don’t believe in giving it. The simplest way to finance your new Chevrolet is right at your local U.S. dealership. They work directly with GM Financial, our own financing partner, to find you a solid offer.
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Smart Leasing: A Tool for the Job+
Some folks think leasing is complicated, but it can be one of the most practical tools for managing your budget. With a lease, your monthly payments are often lower because you’re only paying for the portion of the vehicle’s life you use.
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Proven Value: Financing a Certified Pre-Owned Chevrolet+
A smart investment is about getting the most for your dollar. Our Certified Pre-Owned (CPO) vehicles are for people who value proven dependability. These are late-model Chevys that have passed a tough, 172-point inspection and come with two factory-backed warranties.
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Honoring Your Service: The Military Program+
Chevrolet believes in showing respect for those who have served our country. The Chevrolet Military Program is our way of saying ‘thank you’ to the men and women of the U.S. Armed Forces and their families. This program offers a well-deserved bonus toward the purchase or lease of a new Chevrolet vehicle.
Top Auto Loan Options in the U.S.
- Chevrolet with GM Financial – Offers exclusive financing deals on Chevy models, easy online prequalification, and special credit programs for various buyer profiles.
- Capital One Auto Navigator – Provides pre-qualification without impacting your credit score and access to a wide network of participating dealerships.
- Bank of America Auto Loans – Features competitive rates, online applications, and discounts for existing customers.
- PenFed Credit Union – Known for some of the lowest auto loan rates in the market, especially for members with good credit.
- LightStream – Specializes in unsecured auto loans with competitive rates and no restrictions on vehicle type.
Traditional Bank Financing
Traditional banks like Chase or Wells Fargo offer auto loans with established terms and competitive interest rates. These institutions often provide benefits for existing customers, such as rate discounts and streamlined approval processes. However, when compared to Chevrolet’s integrated financing through GM Financial, traditional banks may lack the seamless car-buying experience and personalized financing options that Chevrolet provides through its extensive vehicle inventory and online tools.
Chevrolet Auto Financing with GM Financial
Chevrolet’s collaboration with GM Financial streamlines the vehicle financing process, offering a transparent and tailored experience. Whether you’re purchasing a new Silverado, a pre-owned Equinox, or refinancing an existing loan, GM Financial provides tools like online prequalification, estimated payment calculators, and a network of dealerships ready to structure offers around your budget. You can initiate the process online without impacting your credit score, and once you’re ready, finalizing the loan through your Chevy dealer is quick and smooth. Special programs are also available for first-time buyers and customers rebuilding their credit.
Online Lending Platforms
Digital lenders such as Carvana and LendingTree offer fully online car buying and financing experiences, allowing customers to apply, receive approval, and manage their loans entirely online. These platforms often provide quick funding and competitive rates. However, they may not offer the same level of integration between financing and vehicle selection as Chevrolet’s partnership with GM Financial, which combines both aspects into a single, user-friendly platform.
Unsecured Personal Loans
Unsecured personal loans can be an alternative for purchasing a vehicle, especially when buying from a private seller. These loans typically come with higher interest rates and stricter credit requirements compared to secured auto loans. Chevrolet’s secured financing through GM Financial offers competitive rates and terms tailored to the customer’s credit profile, providing a more cost-effective and accessible financing option for many buyers.
Buy Here, Pay Here Dealerships
Buy Here, Pay Here dealerships provide in-house financing, often catering to buyers with poor or no credit history. While this may seem convenient, these dealerships frequently charge high interest rates and offer limited vehicle selections. Chevrolet, through GM Financial, offers transparent terms, competitive rates, and the flexibility to purchase any vehicle from any seller, making it a more reliable choice for consumers seeking fair financing options.
How Auto Loans Impact Your Finances and Credit Score in the U.S.
Securing an auto loan influences both your financial health and credit score. Consistent, on-time payments can enhance your credit profile, improving your eligibility for future credit opportunities. Conversely, missed or late payments can negatively affect your credit score and increase your debt-to-income ratio, potentially hindering your ability to secure favorable loan terms. Chevrolet’s financing through GM Financial reports payment history to credit bureaus, allowing customers to build or improve their credit through responsible loan management. Additionally, their prequalification process uses soft credit inquiries, enabling customers to explore financing options without impacting their credit scores.
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