Your Credit Counts

2011 Chevrolet Cruze Eco

2010-11-13T11:51:00.000-08:00

NEW CHEVROLET CRUZE ECO ACHIEVES SEGMENT-LEADING 42 MPG ON THE HIGHWAY

Hybrid-Like Fuel Economy Starts at $18,895; Goes on Sale in January DETROIT – The official fuel economy numbers for the 2011 Chevrolet Cruze Eco are in and they’re good. Segment-leading good. It delivers an EPA-estimated 42 mpg on the highway (manual transmission models), with equally impressive city fuel economy of 28 mpg.Cruze Eco’s highway fuel economy beats non-hybrid segment competitors – including 23 percent greater highway fuel economy than the Honda Civic – as well as the Ford Fiesta subcompact and many hybrid models. In fact, it’s better than Ford Fusion Hybrid, Nissan Altima Hybrid and Toyota Camry Hybrid.“Chevrolet Cruze continues to redefine the compact segment, offering class-leading standard safety features, upscale amenities – as well as hybrid-like fuel economy without the price,” said Chuck Russell, vehicle line director. “The Cruze Eco is in a league of its own and will challenge perceptions of the efficiency available in a more affordable non-hybrid.”The Cruze Eco carries an MSRP of $18,895 (including destination charge). It goes on sale in January.To achieve its segment-leading fuel economy, Cruze’s engineers focused on aerodynamic performance, mass optimization and powertrain enhancements. The refinements in each area paid big dividends towards the car’s overall efficiency, while providing engineers with valuable information to help enhance the efficiency of future Chevrolet models.“We left no stone unturned or piece of sheet metal un-weighed,” said Russell. “Our engineers were comprehensive and thorough when it came to evaluating and modifying the aspects of the car’s performance that contribute to fuel economy.”Aero enhancementsAerodynamic improvements over non-Eco manual-transmission models contributed approximately 6 mpg to the Cruze’s EPA-estimated 42 mpg highway fuel economy. Many were developed and refined in more than 500 hours of wind-tunnel testing of the Chevy Volt, which shares a core architecture with the Cruze. Examples include the upper grille, which has more “closeouts” to improve aerodynamics, a lower front air dam extension, a rear spoiler, a lowered ride height and underbody panels that smooth airflow beneath the car.The Eco model also features an all-new technology in the compact segment: a lower front grille air shutter that closes at higher speeds to reduce aerodynamic drag and opens at lower speeds to optimize engine-cooling airflow. Another contributor to reduced drag is the use of ultra-low rolling resistance 17-inch Goodyear tires (used with lightweight wheels), which are also used on the Volt.As a result of the aero enhancements, aerodynamic drag was reduced by 10 percent over a non-Eco model, with a coefficient of drag of 0.298. That places Cruze at the top of the class for mainstream compact cars.Mass optimizationMore than 42 changes were made on the Eco to reduce weight. It weighs in at 3,009 pounds (1,365 kg), compared to the 3,223 pounds (1,462 kg) of the Cruze 1LT. The diet program for the Cruze challenged engineers to look at all aspects of the vehicle’s construction, including hundreds of weld flanges on the vehicle. They were reduced 1 mm to 2 mm in length, which saved several pounds, while the sheet metal gauge thickness was reduced by about 0.1 mm in select components. This saved weight while preserving structural integrity.Lighter wheels and tires are used on the Eco. They’re stylish, polished 17-inch alloy units with Goodyear tires that weigh only 36.5 pounds (16.6 kg) apiece. That’s 5.3 pounds (2.4 kg) less than the 16-inch wheel/tires of the Cruze 1LT for a complete savings to the vehicle of 21.2 pounds (9.6 kg).Efficient powertrainCruze Eco is powered by power-dense Ecotec 1.4L turbocharged engine and a standard six-speed manual transmission. The transmission’s gearing is optimized for the model’s specific 17-inch wheel/tire combination and includes aggressive ratios for first and second gear coupled with a highly efficient, “taller” sixth-gear ratio for highway driving. That means engine rpm is reduced on the highway, which in turn reduces fuel consumption. A six-speed automatic transmission is available, with EPA-estimated fuel economy ratings of 26 city and 37 highway.The Ecotec 1.4L turbo’s power ratings are 138 horsepower (103 kW) and 148 lb.-ft. of torque (200 Nm) between 1,850 rpm and 4,900 rpm. The wide rpm range for the maximum torque – a specific trait of turbocharged engines – helps the engine deliver a better driving experience and performance. The turbocharger is integrated within the exhaust manifold, for reduced weight and greater packaging flexibility.The engine also features premium design elements that give it world-class smoothness and durability while also contributing to the Cruze Eco’s lower curb weight. They include a cast iron block with a hollow frame structure, hollow-cast camshafts and a plastic intake manifold.Comparing the competitorsAs a result of aerodynamic improvements, mass reduction and powertrain optimizaton, the Cruze Eco offers the best fuel economy in the compact segment, while delivering hybrid-like fuel economy without the hybrid price. The following charts show how it compares with primary competitors and popular hybrids.
Cruze Eco vs. segment competitorsModel EPA City Fuel Economy EPA Highway Fuel Economy
Chevrolet Cruze Eco 28 mpg 42 mpg
Toyota Corolla 26 mpg 35 mpg
Honda Civic 26 mpg 34 mpg
Ford Focus 25 mpg 35 mpg
Hyundai Elantra 26 mpg 35 mpg
Cruze Eco vs. hybridsModel EPA City Fuel Economy EPA Highway Fuel Economy Price
Chevrolet Cruze Eco 28 mpg 42 mpg $18,895
Ford Fusion Hybrid 41 mpg 36 mpg $27,950
Nissan Altima Hybrid 35 mpg 33 mpg $26,780
Toyota Camry Hybrid 33 mpg 34 mpg $26,150

Has your credit got you down? Are low rates will pick you up.

2010-11-03T07:00:00.000-07:00

Almost one year ago General Motors created a partnership with AmeriCredit Financial, one of the leading sub prime finance companies in the industry. That partnership led to General Motors acquisition of AmeriCredit on October 1, 2010 and many happy new car owners with less then perfect credit. Not since GMAC's sub prime arm Nuvell was in business, have I seen rates this low for customers with bumps and bruises on their credit report. It has been a very positive experience from my side of the desk to see the look on a customers face when I tell them their interest rate is under 7% even with a recent bankruptcy. The new GM Financial/AmeriCredit program has been a blessing for so many. This program makes owning some of the most dependable vehicles on the road a reality without a high price tag, for those customers that have credit problems. A typical customer can purchase a 2011 Chevrolet Malibu 1LT with all applicable incentives and $1000.00 cash down for under $380.00 per month. That same car financed with any other sub prime lender would be over $420.00 per month. Not only are you saving an initial $40.00 per month you also save at the pump with an impressive 33 mpg on the highway which is best in class. I will say this if your credit has got you down, come see how are low rates can help pick you up.

Car Loans are becoming more availble for those with credit problems.

2010-04-29T16:15:00.000-07:00

Great news from the front lines of bad credit auto financing!!! The tide is changing it seems sub prime auto finance companies have weathered the storm and are looking for new customers. Through the first quarter of this year I have seen about a 40% increase in the number of loans I have been able to secure for my customers. I attribute this to many factors ranging from reduced delinquencies in sub prime companies portfolios to a somewhat stabilization of the economy. It seems since the start of the year things have been improving on a month to month basis. Down payment requirements are decreasing along with interest rates on these loans. Which is great news for the consumer. Now is time to go shopping for that new or used automobile, if you have been putting it off because of the uncertainty of the economy. General Motors has announced they will be adding 1,600 new jobs and a lot of the manufacturing companies in my area are back to mandatory overtime with third shifts. I am very excited to see all this change.

As always remember today your credit counts, now more then ever.The key to saving time and lots of frustration is being prepared and knowing what to expect when you make that trip to get your next car loan. Check back for more information on auto financing and your credit. If you are in need of a car loan visit our website at http://www.getmeachevy.com/ and apply today.

Great news for potential car buyers.

2010-03-06T08:54:00.000-08:00

Great News as reported by the Associated Press. For those customers who have had problems with getting financing secured for an auto loan, it looks like things should start to get a little easier.

TransUnion: Auto loan delinquencies decline in 4Q
(AP) – 4 days ago
NEW YORK — TransUnion said Monday that customers at least 60 days past due on repaying auto loans fell 6 percent during the fourth quarter compared with the same period a year earlier.
The 60-day delinquency rate on auto loans dropped to 0.81 percent. The delinquency rate was unchanged from the third quarter.
Auto loan delinquencies could be improving because of more favorable terms and deals in recent months for new cars, including the government's Cash for Clunkers program, Peter Turek, TransUnion's automotive vice president in its financial services business unit, said in a release.
The improving trends in auto loan delinquencies came as more customers fall behind on repaying mortgages and credit card debt.
The credit data provider said 6.89 percent of mortgage borrowers were at least two months behind on payments during the fourth quarter. It was the 12th straight quarter the delinquency rate rose.
The delinquency rate, which is seen as a precursor to foreclosures, was 6.25 percent during the third quarter and 4.58 percent during the final quarter in 2008.
Mortgage delinquencies and defaults remain a major problem facing the economy. A collapse in home sales and prices, as well as rising defaults, helped push the country into recession. Signs of a recovery in the market have been slow and uneven in recent months.
Credit card delinquencies also rose. Customers at least three months late on making a credit card payment rose to 1.21 percent during the final three months of 2009. However, average credit card debt fell to $5,434 from $5,729 during the same quarter a year earlier.
TransUnion tracks the data by randomly sampling 27 million anonymous consumer records every quarter from its national consumer credit database.

Positive Signs in a credit challenged car loan market

2009-11-02T11:48:00.000-08:00

In the third quarter of 2009 I have seen some very positive signs for customers with less then perfect credit. It seems that most of the sub prime finance companies are starting to see their portfolios stabilize and get back to somewhat normal delinquency and charge off rates. Along with this stabilization rates have started to slowly drop and advances are slowly rising. The approval ratio where I am located at, has been steadily rising for the last three months. Auto finance companies are seeing the worst is behind us and gearing themselves up to make auto loans for customers with bad credit affordable again.

For the consumer now is about the perfect time to jump feet first into rebuilding their credit with a car loan. The used auto market is starting to stabilize and actually soften a little. Pricing is dropping for the consumer on the retail end. With these two key components working in the customers favor finding an auto loan with bad or shaky credit might be the least expensive now, as anytime in the last two years.

As always remember today your credit counts, now more then ever.The key to saving time and lots of frustration is being prepared and knowing what to expect when you make that trip to get your next car loan. Check back for more information on auto financing and your credit. If you are in need of a car loan visit our website at http://www.getmeachevy.com/ and apply today.

Bankruptcy Filings Surge Past One Million in First Nine Months of Year

2009-10-09T13:28:00.000-07:00

(As reported at fi-magazine.com)
ALEXANDRIA, Va. — Consumer bankruptcies totaled 1,046,449 filings through the first nine months of 2009, making it the first time since the 2005 bankruptcy overhaul that filings have surged past the 1 million mark during the first three quarters of a year, according to the American Bankruptcy Institute (ABI).
The filings for the first three quarters of 2009 (from Jan. 1 to Sept. 30) were the highest total since the 1,350,360 consumer filings reported in the first nine months of 2005. The filings are based on data from the National Bankruptcy Research Center.
"Bankruptcy filings continue to climb as consumers look to shelter themselves from the effects of rising unemployment rates and housing debt," said ABI Executive Director Samuel J. Gerdano. "The consumer filing total through the first nine months is consistent with our expectation that consumer bankruptcies will top 1.4 million in 2009."
The September 2009 consumer filing total reached 124,790, a 41 percent increase from the 88,663 consumer filings in September 2008. The September 2009 filings also represented a 4 percent increase over the 119,874 filings in August 2009, and represent the fourth highest single month since the 2005 law change. Chapter 13 filings constituted 28 percent of all consumer cases in September, unchanged from the August rate.

C.A.R.S. program comes to an end

2009-09-01T10:22:00.000-07:00

The governments C.A.R.S. program a.k.a. Cash for Clunkers was even more of a success then expected. I personally helped many people that had not so perfect credit get into new vehicles. However due to technicalities I saw a lot of people not qualify for the program. These folks actually may fair pretty good in the up coming months. Due to the laws of supply and demand customers who have decent vehicles to trade in will receive higher appraised values because of the short supply of inexpensive used vehicles on dealers lots. I have seen GM put extra incentives out to help keep sales surging. Even running a subvented rate program with one of the largest sub prime lenders in the world to help customers with bruised credit be able to afford new cars. Now is a great time to trade that old car in for something a little newer and also get in on some of the excellent auto loans being offered right now.

As always remember today your credit counts, now more then ever.The key to saving time and lots of frustration is being prepared and knowing what to expect when you make that trip to get your next car loan. Check back for more information on auto financing and your credit. If you are in need of a car loan visit our website at http://www.getmeachevy.com/ and apply today.

Should you pay off old bad debt?

2009-04-23T07:04:00.000-07:00

Many times I hear people say paying off their old bad debt is going to help rebuild their credit. This is not always the case and sometimes can cause more harm then good to your credit bureau. Due to the scoring models used in calculating a credit score, paying old bad debt can adversely impact your score. When deciding to take care of bad debt know how to settle and what to pay in order to get the most bang for your buck.

I have been helping clients that have credit problems get car loans for many years now. During this time I have learned that the age of your bad debt plays a major role in determining your credit score. I have seen people with lots of bad debt that is old score out better then a person with less debt that is more recent. A credit scoring system is tiered and when delinquencies they have less negative effect. Sometimes even letting your bad debts age to the point of falling off your bureau can have a negative affect on your score because of this credit tier system.

Knowing what to pay and to pay it is very important to rebuilding your credit. When an old account that went bad shows a zero balance paying that account usually will not help your credit score. It may actually lower your score by showing recent activity. Settling with a creditor for less then amount due will usually have a negative impact on your score. You may have paid the debt however did not pay all that was owed. It is important to know how to settle with creditors before making your settlement. Remember you have more leverage when you pay a lump sum then when making a payment plan. Always request a creditor mark account closed zero balance instead of settled for less then amount due. Just contacting a creditor will refresh this old debt so be ready to handle it as soon as possible to help avoid any adverse effects.

As always remember today your credit counts, now more then ever.The key to saving time and lots of frustration is being prepared and knowing what to expect when you make that trip to get your next car loan. Check back for more information on auto financing and your credit. If you are in need of a car loan visit our website at http://www.getmeachevy.com/ and apply today.

Credit repair pay or not to pay?

2009-04-10T10:34:00.000-07:00

Over the years I have spent in this business helping customers with credit problems secure car loans I have asked myself and been asked that question many times. The answer really boils down to, time. I have a file at least four inches thick from working on my own credit bureau to remove or correct about three items. Unlike myself most people do not want to spend countless hours of their free time writing letters, sending them certified and keeping an up to date log of everything you do on a spreadsheet. I always say what is your time truly worth? If you have the time and the discipline by all means do the work yourself. However if you don’t have either, pay some to do it for you.
I encourage people to do research before you jump in both feet first. Clients of mine have told me horror stories of credit repair companies taking their money and never doing a thing to help them. Myself I have recommended a few to some clients that seem to do what they and more. I recently stumbled across a company that gives a money back guarantee and allows you to track their progress online through their website. Remember you don’t have to take my word for it when I say most of these companies are scam. Learn from your own mistakes if you must. If you would like some suggestions on companies I recommend contact me at Morrison@getmeachevy.com.

As always remember today your credit counts, now more then ever.The key to saving time and lots of frustration is being prepared and knowing what to expect when you make that trip to get your next car loan. Check back for more information on auto financing and your credit. If you are in need of a car loan visit our website at http://www.getmeachevy.com/ and apply today.

Bad credit and vanity

2009-03-04T12:00:00.000-08:00

I have been in the business of helping clients rebuild their credit for years now and one thing never stops amazing. What might this be you ask? It is one word VANITY!!!!!! I sometimes ask clients who are habitual credit criminals (never paid anything on time in their lives) How do you expect to afford a 2007 Chevrolet Tahoe LTZ with no money down and $2000.00 a month in income?

I have always had the idea and the ability to help anyone that comes into my office secure the car loan their budget will allow them. Although when I have a client that is only interested in their vanity 9 out of 10 times I cannot help them. When you have or had bad credit sometimes you need to step back and look at the over all process of what you are trying to accomplish. First and foremost is to either establish or rebuild your credit. Remember that nice new Tahoe will still be available to you down the road with a much more affordable payment.
If I were a betting man I would wager that just having a dependable car to drive is better then either the shoe leather or schwinn express any day.

Whats in your credit score?

2009-02-22T09:09:00.000-08:00

The following quoted text is shamelessly copied directly from MyFico.

QUOTE

What?s In Your Score

Payment history 35%

Amounts owed 30%

Length of credit History 15%

Types of Credit used 10%

New Credit 10%

FICO Scores are calculated from a lot of different credit data in your credit report. This data can be grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining your score.

These percentages are based on the importance of the five categories for the general population. For particular groups - for example, people who have not been using credit long - the importance of these categories may be somewhat different.

Payment History

Account payment information on specific types of accounts (credit cards, retail accounts, installment loans, finance company accounts, mortgage, etc.)
Presence of adverse public records (bankruptcy, judgements, suits, liens, wage attachments, etc.), collection items, and/or delinquency (past due items)
Severity of delinquency (how long past due)
Amount past due on delinquent accounts or collection items
Time since (recency of) past due items (delinquency), adverse public records if any), or collection items (if any)
Number of past due items on file
Number of accounts paid as agreed

Amounts Owed

Amount owing on accounts
Amount owing on specific types of accounts
Lack of a specific type of balance, in some cases
Number of accounts with balances
Proportion of credit lines used (proportion of balances to total credit limits on certain types of revolving accounts)
Proportion of installment loan amounts still owing (proportion of balance to original loan amount on certain types of installment loans)

Length of Credit History

Time since accounts opened
Time since accounts opened, by specific type of account
Time since account activity

New Credit

Number of recently opened accounts, and proportion of accounts that are recently opened, by type of account
Number of recent credit inquiries
Time since recent account opening(s), by type of account
Time since credit inquiry(s)
Re-establishment of positive credit history following past payment problems

Types of Credit Used

Number of (presence, prevalence, and recent information on) various types of accounts (credit cards, retail accounts, installment loans, mortgage, consumer finance accounts, etc.)

Please note that:

A score takes into consideration all these categories of information, not just one or two. No one piece of information or factor alone will determine your score.
The importance of any factor depends on the overall information in your credit report.For some people, a given factor may be more important than for someone else with a different credit history. In addition, as the information in your credit report changes, so does the importance of any factor in determining your score. Thus, it's impossible to say exactly how important any single factor is in determining your score - even the levels of importance shown here are for the general population, and will be different for different credit profiles. What's important is the mix of information, which varies from person to person, and for any one person over time.
Your FICO score only looks at information in your credit report.
However, lenders look at many things when making a credit decision including your income, how long you have worked at your present job and the kind of credit you are requesting.
Your score considers both positive and negative information in your credit report.Late payments will lower your score, but establishing or re-establishing a good track record of making payments on time will raise your score.

What to bring when trying to get your next car loan

2009-02-06T08:38:00.001-08:00

Whether you have credit issues or not it is always best to be prepared with things you may need when buying your next car, truck or suv. With ever changing lending practices finance companies and banks are requiring different stips (stipulations) everyday. In order to make the process more efficiently for yourself and the dealership you are purchasing from. I have listed these items below with a brief description of why they are so important.

The most important thing to bring with you other then your driver’s license is proof of you income. Debt to income has become an important decision factor for a majority of lenders even if you have perfect credit. What lending institutions will want from you will vary depending on how you receive your income.

· Salaried or W2 employees: Will need to provide last two computerized paycheck stubs. Depending on the time year if you work overtime or receive bonuses you may also need a W2 form or your last pay stub form the month of December for an accurate figure of what you make.
· Self employed/ 1099 Contractor: General rule is to provide last two years tax forms including Schedule C’s. Also it would be a good idea to bring the last three months of personal bank statements. Sometimes however you may need the business bank statements to show proof of your income.
· Non-Salaried income: This would child support, foster care, SSI, pension, and or permanent disability. To prove these types of income you will need the award letter depending on type of income and or the check stubs. Also three months bank statements showing the direct deposits.

A phone bill is an essential part of the car loan process. Whether it is cell phone or land line 90% of the time you will need one of these two. Today a lot of cable providers are bundling home phone service along with your Internet and cable. The bundled bill is acceptable.

Proof of residence lenders want to know you live at the address you provided. The best proof of residence is a utility bill or a bank statement. You can also use a credit card bill as an exceptable proof of residence.

References usually a minimum of four to be safe. Over the years I have lost car deals because my clients did not realize these people do not get called. These references only get called if you do not make your monthly payment and you finance company cannot reach you.

Remember today your credit counts, now more then ever.The key to saving time and lots of frustration is being prepared and knowing what to expect when you make that trip to get your next car loan. Check back for more information on auto financing and your credit. If you are in need of a car loan visit our website at http://www.getmeachevy.com/ and apply today.

Auto Loans and Bankruptcy

2009-01-27T09:54:00.000-08:00

Bankruptcy fillings have been on the rise in the United States over the last four years. With all the instability of employment and the crash of the housing market at least here in Michigan, it seems bankruptcies today are at an all time high. I have been working with customers who are either in Bankruptcy or have just discharged for the last six years. Most of my customers have been able to re-establish their credit and get back to financing at lower interest rates and getting anything they want on credit.

The toughest thing about going through Bankruptcy and trying to get an auto loan( this is the fastest way to rebuild you credit) is finding the right dealership. Over my years in this business I have met many customers that have tried to buy from the wrong dealership. These customers would get the old song and dance of "tell them what they want to hear to get them in the door" little do customers know things change once you show up to that dealership. That zero down payment goes to $1000.00, the $300.00 monthly is now $450.00. You were told you could buy that full size Suv now the sales person is showing you cars.One thing I can say is be prepared and know what to expect. This can help save you time an frustration when trying to get that auto loan.

For customers that are pre discharge do not expect zero down financing that is unless you have a trade in. For those dealers that tell you about the in house rebate watch out. Unless you trade a vehicle in or put cash down dealers can not show an in house rebate as cash down. Once you sign on that contract and a lender purchases said contract you and the dealer have both committed bank fraud. Now if your bankruptcy has been discharged there are some options out there for zero down financing depending on how well your credit score survived the bankruptcy. You will need to have a credit score in the mid 500's or better to receive a zero down auto loan.

When reaffirming on a mortgage during your bankruptcy make sure it is current when applying for your auto loan. Most lenders will not finance you if your mortgage is behind. The ones that do will charge the state maximum interest rate. There are lenders out there will loan you money even if you have foreclosed on the house and still living there.

For people that file a second bankruptcy within a ten year period, make sure you have been squeaky clean between the two. You will need to have paid everything good up until your second bankruptcy in order to get your best deal on your next auto loan. When you have adverse handling of accounts between the two bankruptcies it shows a complete lack of wanting to pay your debt.

Remember today your credit counts, now more then ever.The key to saving time and lots of frustration is being prepared and knowing what to expect when you make that trip to get your next car loan. Check back for more information on auto financing and your credit. If you are in need of acar loan visit our website at http://www.getmeachevy.com/ and apply today.

Auto financing is out there

2009-01-23T07:35:00.000-08:00

I know we have all heard that even with the government bailout banks are not lending money. However that may be true in some cases, more often then not people are able to get financing. It seems people are just afraid to try because everyone thinks there are no loans out there to be had. I see customers in the dealership I work at get auto loans everyday. These customers encompass the full spectrum of credit. From good A+ credit all they way to a customer with a current bankruptcy.

The most important thing is realizing that there is money out there. The only thing stopping consumers are themselves. Right now there is a lot of uncertainty with the economy this is understandable. People across our nation are unsure if they will even have a job tomorrow let alone a month from now. My opinion is the only way we can pull this great country of ours out of the funk it is in, would be to dump money back into the economy. In Michigan we rely heavily on the auto industry from the car makers to the suppliers. Without buying and financing vehicles more and more people will be losing their jobs.

Times have changed when it comes to auto financing that is very true, but banks are still lending money for auto loans. Most banks, credit unions, and finance companies are requiring down payments now. It seems the zero down loans are a thing of the past. I have see terms go from 72 and 84 months on many loans over the last three years cut to 60 months and the occasional 72. Rates have risen unfortunately for some customers that where receiving 7.5% to 9.5% those same customers might qualify for rates of 9.5% to 15%. Lending companies today want a customer in a vehicle that is affordable and lenders want to be in an equity position.

Remember today your credit counts, even more then ever. The key to saving time and lots of frustration is being prepared and knowing what to expect when you take the trip to get your next car loan. Check back for more information on auto financing and your credit. If you are in need of a car loan visit our website at http://www.getmeachevy.com/ and apply today.