How to Get the Best Auto Loan or Lease Rates at Celebration Chevrolet
10 Proven Ways to Boost Your Credit Score Before You Shop
At Celebration Chevrolet, we want every customer driving off our lot in a new or pre-owned Chevy with the absolute lowest monthly payment possible. Your credit score is the single biggest factor in the interest rate or lease money factor you'll qualify for - and even a 50-100 point improvement can save you thousands. Here's the exact checklist our finance team gives customers every day to move up credit tiers and unlock GM Financial's best rates.
1. Pull Your Free Weekly Credit Reports + Use Daily Monitoring Tools
Get your official free weekly credit reports from all three bureaus at AnnualCreditReport.com.
For day-to-day monitoring and instant alerts, sign up for free services like:
● Credit Karma (TransUnion & Equifax VantageScore)
● Credit Sesame
● Experian's free app (monthly FICO score)
● Free monitoring from your bank or credit card issuer (Chase Credit Journey, Capital One CreditWise, Discover Credit Scorecard, etc.)
These tools let you spot changes the moment they happen perfect for catching errors before we pull your credit.
2. Pay Every Bill on Time
This may sound pretty obvious, but payment history accounts for 35% of your score. Set up autopay on all cards, loans, and utilities. Just one 30-day late in the past 12 months can cost you "super prime" pricing and significantly affect your interest rate.
3. Get Credit Card Balances Below 30%
Get Credit Card Balances Below 30% (Ideally Under 10%) Lenders look at total and per-card utilization. Paying down revolving debt is the fastest way to gain 50+ points in 30-60 days.
4. Don't Apply for New Credit While Shopping
Every hard inquiry can lower your score 5-10 points. Skip the furniture store card and retail financing until after you drive home.
5. Keep Your Oldest Cards Open
Closing old accounts shortens your credit history and raises utilization - two quick ways to lose points and pay higher rates.
6. Become an Authorized User on a Good Account
Have a parent or spouse with great credit and an old card add you as an authorized user. Their positive history often transfers instantly (we see this work every week).
7. Dispute Errors Right Away
File disputes online with Equifax, Experian, and TransUnion. Most are resolved in under 30 days. Bring us the updated reports and we'll re-run your credit the same day for a better rate.
8. Build Credit the Smart Way
If your score is under 660, a secured card or credit-builder loan can push you into the next tier fast. Ask us - we'll point you to our local credit-union partners.
9. Track Your Score Weekly
Keep using Credit Karma, Credit Sesame, Experian, or your bank's free tools. When you hit the next milestone (620 → 660 → 700 → 740+), come straight to Celebration Chevrolet.
10. Protect Yourself with a Credit Freeze
Place a free security freeze at all three bureaus (and temporarily lift it). It stops identity thieves and gives our finance managers confidence when submitting your application. You will have to lift the freeze when it is time for us to pull your credit, so save their contact numbers in your phone.
Equifax= 888-378-4329.
Trans Union = 800-916-8800.
2025 Auto Financing Credit Tiers (Typical Rates) Credit Score Tier Approx. Rate (60 mo) Monthly Savings vs. Next Tier*
- 730+ Super Prime 3.9% - 5.9% -
- 700-729 Prime 5.9% - 7.9% ~$25/mo
- 660-699 Near Prime 8.0% - 11.9% ~$50/mo
- 620-659 Sub-Prime 12% - 16% ~$85/mo
- Below 620 Deep Sub-Prime 16%+ We still have programs!
*Savings based on a $40,000 loan
Ready to lock in your best possible rate today?
Bring your two most recent pay stubs and let our finance experts shop GM Financial, Ally, credit unions, and every major bank for you at no cost.
Celebration Chevrolet
2001 South Havana Street
Aurora, CO 80014
(303) 751-7500
www.celebrationchevrolet.com
Schedule your free VIP Credit & Rate Review appointment online or stop by anytime. We're here to help you save big on your next Chevy!
Disclaimer: All rates and approvals are subject to lender guidelines and final verification. Example rates shown for illustration only. We are not financial advisors; please consult a professional for personalized advice. See dealer for complete details
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Celebration Chevrolet
2001 S. Havana Street
Aurora, CO 80014
- Sales: (720) 773-7085
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