Second Chance Credit ~ What You Should Know

Second Chance Credit – What you should know

You shouldn’t have to allow a bad credit rating to ruin your financial life and prevent you from getting the car you need to visit family, commute to work and safely get your kids to school.

People with no down payment whatsoever and bad credit may find it very difficult getting car financing. Debtors in the middle of bankruptcy proceedings may find that financing is not available until their bankruptcy case has concluded.

Interest Rates and Down Payments

Borrowers with bad credit will be expected to bring in a larger down payment and pay a higher interest rate. Most local lenders, of course, will not make these loans at all to borrowers with bad credit. Depending on the severity of one’s bad credit, down payments for these loans can range from 20% to 50% and depending on the credit and legal limits of Oklahoma; interest rates can range from 5% to 26%.

Rebuilding Your Credit

The good news is that if these loans are paid on time they can also serve as tools for rebuilding credit. With a sizable down payment it may actually be easier for borrowers with bad credit to obtain financing for a new vehicle financed by the car manufacturers own funding arms because of the company’s incentive to sell their new cars.

Words of Encouragement

Don’t be discouraged if your first few attempts at financing fail or if you have to settle for your second or third choices of vehicles. With perseverance, and if needed a little polishing up of your tarnished credit, you should be able to obtain safe and reliable transportation despite a previous bout of bad credit or bankruptcy

Remember This

Finally, if you are forced to obtain financing from a less than desirable source and at a high rate of interest, remember that you are not stuck forever. Make your payments on the auto loan on time for six months to a year. In the meantime, open a credit union account and work to rehabilitate other poor marks on your credit. Then, once you have established a higher degree of creditworthiness, “refinance” the purchase of the automobile at a lower interest rate through your credit union.

Visit us at www.keystonechevrolet.com

Z28 Camaro is a GO!

According to sources at General Motors, the Chevy Z28 Camaro is a go! Building on the huge poularity of the new Camaro LS, LT, and SS, the all new Z28 will have more performance features, more horsepower, and the iconic Z28 nameplate.

GM’s Vice President of Global Vehicle Engineering Karl Stracke has been quoted as saying that the next Z28 is on its way.

ANTICIPated Chevy Z28 Camaro features:
More power! It is expected that the 6.2-liter supercharged LSA V-8 that also powers the Cadillac CTS-V will be under the hood. This engine will deliver 556 horsepower at 6100 rpm and 551 pound-feet of torque at 3800 rpm.

– A large forward-facing hood scoop.
– Taller, full-width rear spoiler
– 20 inch rims
– Integrated exhaust ports
– 6 speed manual transmission
– New grill to distinguish it from the SS Camaro
The expected pricing should be around $8,000 more than current Camaro SS Models

The new Chevrolet Z28 Camaro is expected to see local showrooms in 2011

This article was taken from the official site.

http://www.chevyz28.com/

Opening Soon: 2011 Camaro Convertible

The 21st century rebirth of the Chevrolet Camaro will open a new chapter when the 2011 Camaro Convertible premieres at the Los Angeles International Auto Show on November 17, 2010.

The Camaro Convertible will first appear in Chevrolet showrooms in February 2011.

Although auto enthusiasts are understandably fixated on the concepts and production models being unveiled this week in Paris, Chevrolet hasn’t left fans of American iron out in the cold. Today, Chevy has shown off the first image of the 2011 Camaro convertible after auctioning off the very first example last week.

The Convertible will be available in the same basic model offering as the Camaro Coupe-a standard 312 horsepower Direct Injection V6 model with an EPA estimated 29 MPG highway6, and the legendary SS model featuring the 6.2-liter V8 engine producing 426 horsepower. A six-speed manual transmission will be standard, with an optional six-speed automatic.

GM Midsize going to 4

A reoccurring theme that has come out of General Motors since 2008 has been that they fully intend to physically downsize their product lineup. With new Corporate Average Fuel Economy (CAFÉ) legislation coming online in 2012 through 2016 and an overall shift to more fuel efficient vehicles, GM has made some critical decisions regarding their future midsize sedans. According to sources working on the next-generation GM midsize sedans, GM has elected to go with an all four-cylinder engine lineup for each midsize sedan going forward. The beginnings of this have already been witnessed with the recently launched 2011 Buick Regal, which has two four-cylinder engines to pick from. The upcoming Regal GS performance model will also pilot a four-cylinder mill. Our sources tell us that the real fruit of this movement will be noticed most in the next-generation Chevrolet Malibu, which is slated to launch in late 2011. The new Malibu will sport only four-cylinder engines in North America. It is unclear which four-cylinder mills GM will place in the Malibu, but the direct injected 2.4-liter from the Equinox is a likely contender. GM is currently working on several new four-cylinder engines—both turbo and naturally aspirated—including a non-turbo 2.5-liter. Products on the larger side of GM’s midsize sedan lineup will still have optional V6 power, including the next Chevrolet Impala.

article taken from http://www.gminsidenews.com/forums/f70/gm-midsizers-going-all-four-95088/

Production of Chevy Cruze in Full Swing

Early this morning General Motors began regular production of the all-new 2011 Chevrolet Cruze. Production for the new compact is taking place at GM’s Lordstown, Ohio assembly plant and is bringing Chevrolet’s best-selling car globally, to the United States starting today. As of today Cruze’s coming out of the Lordstown facility will be making their way to dealerships in the United States and Canada. The Cruze is already sold in over 160 different countries and is a best-selling car worldwide. “We are delivering a car with the quality which Americans desire matched with features they would not expect in this segment, from 40 mpg on our Eco model to 10 airbags as standard across the range,” General Motors North America President Mark Reuss said. “Of equal importance, we are working to redefine the views on a domestic carmaker building such a car here in the United States.” The new Cruze replaces the outgoing Chevrolet Cobalt and is a larger car than its predecessor. GMI sources at Lordstown have stated that GM management has pushed quality on the Cruze heavily, citing specific examples of pre-production units that were flagged for the most minor details. The Lordstown Complex, which built its first car in 1966, has produced more than 14 million vehicles, making it one of the most productive automotive facilities in the world. “The third-party reviews of the Cruze in North America have been fantastic,” said Lordstown Plant Manager Bob Parcell. “Our Chevrolet dealers tell us Cruze demand is hot and interest levels are the highest they have seen in 20 years. This will help drive our complex and Chevrolet into a new and exciting era.” The 4,500 team members at the Lordstown Complex are scheduled to begin shipping the Cruze to U.S. and Canadian dealers next week. __________________

Taken from: http://www.gminsidenews.com/forums/f70/cruze-production-begins-today-95376/

Meet Brian Braden

Brian boasts about growing up on the “West Side” He graduated from Webster high School in 1988. During his high school years Brian was an active member of the Warriors Baseball team. After graduation Brian attended Spartan School of Aeronautics and received his A&P license. During his working career Brian worked for Outback Steakhouse, traveling the country and setting up stores. While on one of his work related travels he landed in Wichita and ended up meeting the love of his life. Five years later he and his wife find themselves at home in Green Country raising their two children.
In his free time Brian enjoys watching NASCAR and spending time with his family.
Brian enjoys his customers and his customers enjoy him. He believes service goes beyond his customers driving away in a new vehicle. Come see Brian at Keystone Chevrolet and experience the service after the sale.

Meet Billi ~ She’s a Mechanic

This is Billi Perkins, she’s a 1997 graduate from Okmulgee High School. Billi always enjoyed hanging out with the guys growing up. She learned to work on cars by defalt. Last year she graduated from Oklahoma State University ( OSU)  Institute of Technology in Okmulgee where she was a student in the  General Motors Automotive Service Educational Program (ASEP).

Billi really loves the three years she’s been working in the Keystone Chevrolet service department. “It is a great enviroment for a woman, the men here are gentlemen.” Bring your automobile to Keystone Chevrolet and you might have Billi working on your vehicle.

Meet Rick ~Keystone Service Advisor

Rick is from Broken Arrow; however, he attended Metro Christian Academy and graduated in 1985. Over the years Rick has attended Rogers State University, Tulsa Community College and has even taken classes at Oklahoma State University.

Rick is very physically fit and training to compete in a triathlon. “I’ve completed several 5k runs and really enjoy the competition.” When he not working he is watching his kids grow up. “I love watching my boys play football and baseball”. Extra free time is spent swinging a golf club, riding a bike, or having good time with friends.

 During the last 12 years Rick has worked off and on for Keystone Chevrolet in the Service department. “The technicians here are like family and I trust them like brothers”. Rick is confident that when you bring your automobile to Keystone Chevrolet no matter what make or model you can have confidence they’ll do the job right the first time.

Meet Tim Branstetter

Tim is an Alumni from Edison High School “We don’t want to talk about the year… it was a long time ago.” After graduating Tim served in the United States Army and is proud to be listed among many that can wear the title of Veteran.
Tim and his lovely wife of 35 years reside in Broken Arrow, where they raised three children. The kids are grown, moved out, and have been producing a passel of grandkids (six) that Tim takes great pride in spoiling at every opportunity.
When he’s not working or spoiling the grandkids you can find Tim out on the greens swinging a golf club. His favorite course is Battle Creek in Broken Arrow, “I’m always up to try out a new course.”
Tim has been in automotive sales for almost 13 years. He started selling cars at Keystone Chevrolet in 2001. When you purchase your automobile from Tim you can find comfort in knowing he has a history of serving here at Keystone Chevrolet.

Meet Del

Del was born in the Blue Grass state of Kentucky. He grew up in Indiana and attended David Letterman’s alma mater Ball State University ~ yes he’s a Hoosier. He was drafted by the Army and served one tour in Vietnam. In 1982 Del graduated with honors from Indiana University.
Del and his wife of 41 years have lived and traveled in a multitude of states and finally arrived in Oklahoma in 1993, when he came to work for Keystone Chevrolet, working for 17 years. Del loves to boast about his 4 kids “The best thing about kids is getting to be a grandpa one day.” Del is one proud grandpa with a host of 10 grandkids and another on the way.
Del moved to car sales in April so that he could have a more flexible schedule. “I needed to be able to help my wife,” a couple of years ago Del’s wife was diagnosed with brain cancer. Del’s quiet gentle manner makes you feel comfortable. Come meet Del and let him assist you in your next vehicle purchase.

Meet Chris Rowell ~ Shop Foreman

Chris was born and raised in the Tulsa area and is a graduate from Broken Arrow High School. Chris has always had a passion for working on cars and has made it part of his life. “What better way to earn a living than to enjoy what you do?” Chris is the shop foreman and ASE Master Certified mechanic at Keystone Chevrolet. He has 27 years of automotive care under his belt. “I work for Audi, Porsche, Jaguar, and all GM makes and models” Chris has been with Keystone for 7 years.
Give Chris a few minutes of your time and you’ll hear about his kids. He has 2 sons currently serving in the Marine Corps one working at the Pentagon and the other stationed in California. His Daughter’s husband is in the Air Force and is based at Tinker in Oklahoma City. Chris loves spending free time with his 5 grandkids on the lake boating. He also loves to hunt.
Above all Chris believes it is important to do the job right the first time. “I have a lot of fun with my techs and I think they are the best techs in this part of Oklahoma.” Bring your car in for service at Keystone Chevrolet and take comfort that Chris is on the job

Meet New Car Sales Manager Andy Duncan

New Car Sales Manager
Andy Duncan enjoyed growing up in Pawnee, Oklahoma; hunting and fishing every chance he got. In 1996 he graduated. “go Bears!” He attended NSU in Tahlequah worked construction then ended up in the car business.
Andy’s upbringing still influences his life today. Andy is an avid bow hunter and outdoorsman. “I love to hunt!” More than anything else Andy loves to spend free time with his wife and daughter. “I am very blessed”
In July of 2000 Andy joined the staff at Keystone Chevrolet. After 5 years of leading the sales board almost every month he was moved to management. Andy takes pleasure in providing friendly service to everyone he comes in contact with. Come to Keystone Chevrolet and meet Andy he’ll make sure you get the service you deserve.

Meet Eddie

Finance Manager
Eddie attended the University of Texas at Austin and graduated in 1991 with a BBA in Finance. He has been in business for 14 years. Eddie is bi-lingual.
Eddie recently moved his family that includes 3 teenagers to Tulsa from Dallas. He is an avid outdoors lover. If he’s not outdoors he watches it in on television. Eddie loves sports especially his U.T. Longhorns. “Please don’t hold that against me.” His other favorite teams include the Dallas Cowboys, San Antonio Spurs, and the Texas Rangers.
Eddie wants to make the last step in your car buying experience comfortable. “It’s my job to show you the best way to protect your investment, and explain the differences between each package that you decide is affordable.”

Meet Julian

Julian is home grown, “I’ve lived in Tulsa all my life.” Julian attended Union High School and graduated in 2002. Julian and his wife Kimberly have a little girl named Chloe.
In Julian’s free time you might find him shooting a game of pool with friends, online playing World of War Craft or sitting down to a game of Texas Hold ‘em. “When I have the money there’s no limit.” Julian has a passion for drag racing and loves to attend the races.
Julian enjoys meeting new friends. Next time you need a new car come to Keystone Chevrolet and see Julian, he’ll be glad to help out a new friend.

Meet Josh

Josh is a graduate of Charles Page High School; he has grown up and lived in Sand Springs all his life. Josh and his wife Samantha are raising their three children Kyler, Aiden and daughter Bailey in their home town.

Josh is an avid OU Sooners football fan and likes to spend his free time fishing and hunting mixing in a healthy lifestyle of mixed martial arts.

For Josh the most important thing about his job is customer satisfaction. “If you need a good deal and like to be treated with respect, I’m your man.” Come on out to Keystone Chevrolet and let Josh assist you with your next vehicle purchase.

Meet Bently

Bently is a graduate from Osceola, Missouri but has called this part of Green Country home for over six years. “I grew up all around the mid-western states and finally got home” Bently and his fiancé are raising his two little boys Bryce and Blake who are 2 and 3. Bently loves spending time with his boys, hunting, fishing attending church in Pawnee, and taking time for wrestling sessions at the drop of a hat. “I feel like I’m the luckiest guy around!” 

You’ll know Bently by his contagious smile and energetic personality. “I figure life’s too short to be unhappy ~Live life to the fullest is my motto.” Come meet Bentley at keystone Chevrolet and make your car buying experience fun.

Meet Chris

Chris grew up all around Green Country and graduated in 1994 from Wagoner High School. Chris currently lives in Mannford, where He and his beautiful wife are raising their five year old son. Chris loves to fish but spends most of his free time enjoying his family. Chris’ wife and son love to help and always take time to write thank-you cards to his customers. “I really appreciate my customers and they love me too.” Chris invites you to come on out to Keystone Chevrolet and he’ll show you first hand how much he appreciates your business. “You won’t regret it!”

Visit this site to see some of Chris’ satisfied customers. http://www.flickr.com/photos/keystonechevy/sets/72157624614365189/