Secure online pre-approval application for new GM Vehicle buy or lease.
 

SmartBuy is an affordable way for qualified customers to own a new GM vehicle. It offers a variety of advantages.

• Low monthly payments and a final balloon payment at the end of your contract
• Several options at the end of your contract
• The opportunity to drive a new car or truck more often
• SmartBuy financing contract right at Gould Chevrolet.

SmartBuy is a program that enables you to own your vehicle and lower your monthly payments. The low payment is possible because each month you pay for the portion of the vehicle you expect to use plus a finance charge. At the end of your contract you have several options.

• Keep the vehicle and make a final balloon payment for the outstanding SmartBuy balance.
• Keep the vehicle and refinance the outstanding balance.
• Sell the vehicle yourself, pay the outstanding balance and keep any profit.
• Simply return the vehicle to the dealer and pay a minimal disposal fee.

Ask us about tailoring a SmartBuy program that fits your needs and budget.
 

SmartLease is a financing option in which you pay for the portion of the vehicle's value - depreciation - you expect to use over a period of time, plus a rent charge, taxes and fees. You don't own the vehicle; you drive it for the lease term and return it at lease end.

Advantages of Leasing

• A low monthly payment - Because you are paying for the value of the vehicle you expect to use during your lease, plus a rent charge, taxes and fees, rather than the total value of the vehicle, leasing payments are typically lower than traditional financing payments.
• More vehicle for your money - Leasing makes driving a more expensive vehicle more affordable.
• Drive a new vehicle more often - Leasing typically has a shorter term than if you purchase for a similar monthly payment, allowing you to drive a new vehicle more often.
• Drive a vehicle during its most trouble-free years - Most lease terms fall within the manufacturer's warranty. However, you are responsible for maintenance. SmartCare offers a maintenance plan that provides for routine maintenance coverage. Ask us for details.
• Avoid trade-in obligations - With GMAC SmartLease, you can lease another vehicle, buy the vehicle, or return it at the end of the lease term and walk away (provided you have met all the obligations of your lease).
• Assurance - With a GMAC SmartLease, Gap Protection provides assurance in the event of a total loss of the vehicle.
• Possible tax advantages - If you use your vehicle primarily for business, leasing can provide tax deductions. See your tax advisor for details or call 1-800-32-SMART for a free brochure on how to drive down business expenses.
• Convenience - SmartLease by GMAC can be arranged right at Gould Chevrolet. In fact, qualified customers can be approved in under an hour. That's because GMAC believes you should be out enjoying your new vehicle instead of waiting for it to be leased or financed.

Credit Life and Disability Insurance
Additional financial products include policies that will pay off loans and leases in the event of death or disability. Ask us about these and other available policies and options.