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DEPAULA CHEVROLET OF THE CAPITAL REGION PROVIDES THE BEST CAR LOAN AND LEASE OPTIONS |
| GMAC is an integral part of the financing options you have available when financing or leasing your new Chevrolet or pre-owned Chevrolet. Additionally, we have many different lenders that are ready to review your credit application for on the spot delivery of your new Chevrolet or used car, truck or SUV. |
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| DePaula Chevrolet offers finance and car lease, car loan and auto loan options for your new Chevrolet or used Chevrolet whether you have good credit, no credit, bad credit.. We can help with your bad credit auto lease or bad credit auto loan even if you’ve suffered from credit problems due to a divorce, loss of job, are a first time car buyer or if you’re in the military |
| Not sure if you can afford a new Chevrolet or Certified Pre-Owned Chevrolet? Don’t guess, be certain! Use our 30 Second Credit Application to find out just how much you can afford, and let our financial experts work with you to get you the very best finance or leasing deal possible. |
| Click on 30 Second Credit Application and let our finance department help get you into your new car, truck or SUV! |
NO ONE KNOWS THE CAPITAL REGION CHEVROLET DRIVES LIKE WE DO! |
| GMAC has been financing cars, trucks and SUVs for years and because automotive financing is all they do, we’re confident we can meet your high expectations when it comes to affordable and convenient leasing and financing options. With an unparalleled passion for the Chevrolet brand, a team of high performing customer service reps, and a strong partnership with our valued customers, GMAC can offer you a financing experience unlike any other. To discover all the great reasons why you should finance your next vehicle with us, contact our very knowledgeable staff through our informative DePaula Chevrolet website. |
BAD CREDIT AUTO LOAN & BAD CREDIT CAR LEASE HELP |
| Bottom line is DePaula Chevrolet offers Capital Region alternative financing for both non-prime and sub-prime auto loans. We can also help you search rates, get pre-qualified, check car payments, help you with payment calculators, apply for an auto loan, apply for a new vehicle loan, apply for a used vehicle loan, help you with auto loan FAQs, buyout your auto lease, help you with rates & information and auto financing tools. |
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BELOW IS A GLOSSARY OF CAR LOAN, AUTO LOAN & CREDIT FINANCE TERMS |
| Assets – Every form of property owned by a debtor. |
| Automatic Stay – A stay imposed by the court when a bankruptcy is filed that prevents creditors from taking collection actions against the debtor. |
| Bankruptcy – When a debtor who owes more than his or her assets relieves the debts by transferring his or her assets to a trustee and is relieved of the future obligation to repay unsecured debts. |
| Chapter 7 – This is a type of bankruptcy in which debtors assets are liquidated to satisfy his credit obligations, which are removed at the completion of bankruptcy. |
| Chapter 13 – This type of bankruptcy allows a person to retain assets in exchange for making reduced payments in accordance a trustee-approved plan. |
| Collateral – An item of value that guarantees payment of debt or may be collected in place of payment. |
| Collection Agency – A third party agency creditors use to collect debt. Sometimes a collection agency is a company set up by the creditor to collect debt. Also called a Credit Agency. |
| Consumer Report – Also called a “credit report,” a factual record of an individual’s credit payment history. Its main purpose is to help a lender quickly and objectively decide whether to give the consumer credit. A credit report is used to develop a credit score, but does not contain a score. |
| Consumer Reporting Agencies (CRA) – Companies that gather and sell information about where a consumer works and lives, how they pay their bills, and whether they’ve been sued, arrested, or filed for bankruptcy. The most common type of CRA is a credit bureau. The information CRAs sell about the consumer to creditors, employers, insurers, and other businesses is called a Consumer Report or a Credit Report. |
| Cosigner – A person who officially undertakes responsibility for a loan in the event of the borrower’s default. Learn more about cosigning. |
| Credit Agency – A third party agency creditors use to collect debt. Sometimes a credit agency is a company set up by the creditor to collect debt. Also called a Collection Agency. |
| Credit Bureaus – Private, for-profit companies that gather information about a consumer’s credit history and sell it to banks, credit card companies, landlords, employers, and other interested parties. |
| Credit Counseling Service – Companies that provide debt management plans and budget counseling, usually in return for fees |
| Credit History – A record based on information supplied over time by creditors with whom consumers have done business. This information is reflected in a credit report. |
| Creditor – A person or business who extends credit and to whom money is owed. ; |
| Credit Report – Also called a Consumer Report, a factual record of an individual’s credit payment history. Its main purpose is to help a lender quickly and objectively decide whether to grant a consumer credit. A credit report is used to develop a consumer’s credit score, but does not contain a score. |
| Credit Score – Credit scores provide a numerical representation of a consumer’s credit at a given point in time. Credit scores are calculated using data contained in a consumer’s credit report. The score assesses the likelihood that a borrower will repay a loan or credit card. |
| Debt Load – The total amount of money the consumer owes. |
| Debt Management Plan – A plan that helps consumers repay their debts and helps creditors collect the money owed them. Usually put together by a Credit Counseling Agency. |
| Debtor – Someone who uses credit cards, owes money on a personal loan, or is paying on a home mortgage. |
| Debt Collector – Someone who regularly collects debts owed to others. This includes attorneys who collect debts on a regular basis. |
| Default – Occurs when a borrower fails to repay a debt obligation in accordance with its terms. |
| Dischargeable Debt – A debt that can be eliminated in bankruptcy. |
| Exemptions – Property that is legally beyond the reach of creditors or a trustee. |
| Interest – The percentage a creditor charges on money borrowed. |
| Loan – An arrangement whereby a creditor gives a company or individual money and arranges for them to pay it back on a timeline, usually with interest. |
| Non-dischargeable Debt –A debt that cannot be eliminated in bankruptcy. |
| Petition – The document that initiates a bankruptcy case. |
| Secured Credit Cards – Cards provided after a consumer deposits funds into an account. Charges may only be made up to the amount deposited. |
| Secured Debt – Debts linked to collateral. The collateral guarantees payment of the debit or the creditor has a right to take the collateral. Secured debt is most commonly used when purchasing homes or cars. |
| Trustee – A trustee is appointed in Chapter 7 and Chapter 13 bankruptcy cases to review the debtor’s schedules, manage payments, and generally represent the interests of the creditors in the bankruptcy case. The role of the trustee is different under different bankruptcy chapters. |
| Unsecured Debt – Debts with no collateral. Commonly used with credit cards, doctors’ bills, student loans, personal loans from friends or relatives, or rent. |
| We offer all of the Chevrolet product line of Chevrolet cars, Chevrolet trucks and Chevrolet SUVs. Our line up includes: |
| Chevrolet Aveo, Cobalt, Corvette, HHR, Impala. Malibu, Monte Carlo, Avalanche, Colorado, Silverado, Equinox, Suburban, Tahoe, Trailblazer, Express, Uplander, GM Fleet |
DRIVING DIRECTIONS FROM ALBANY, CAPITAL REGION, TROY, LATHAM AND SARATOGA SPRINGS |
| Albany to DePaula Chevrolet Capital Region to DePaula Chevrolet Troy to DePaula Chevrolet Latham to DePaula Chevrolet Saratoga Springs to DePaula Chevrolet |
| Other cities we service are: |
| Delmar, Pittsfield, Catskill, Saugerties, Oneonta, Amsterdam, Johnstown, Gloversville, Herkimer, Ilion, Utica, Rome, Mechanicville, Ballston Spa, Glen Falls, Hudson Falls, North Adams, Rutland, Glenmont, Keene, Brattleboro, Greenfield, Worcester, Northampton, Easthampton, Chicopee, Springfield, Winsted. |
DePaula Chevrolet 785 Central Ave. Albany, New York 12206 518-489-5551 |
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