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Smart Purchase
Get the best of both worlds with Smart Purchase ®
Smart Purchase ® is a logical alternative to existing conventional financing or leasing plans. This new, more flexible loan product allows you to own your vehicle while remaining enabled to return your vehicle at a fixed point in the contract term for a predetermined price. It is a fixed rate, fully amortizing product with terms up to 84 months.
Smart Purchase ® customers may exercise an option to return their vehicle for sale to Ally Credit ® for a predetermined price and time frame (ie. 36, 48 or 60 months.)
Smart Purchase ® Customer Benefits
- Low monthly payments
- You actually own your vehicle
- Able to get in to a new vehicle more often
- Multiple choices at the Option Date
- Product is completely open, so it can be paid down or off at any time without penalty
- Available on all vehicles
Smart Purchase ® Plan Features
- Rate is fixed over the entire term of the contract
- No down payment required
- Available credit from Ally Credit ®
- 36, 48 or 60 month Smart Purchase ® Option Date (where you can return your vehicle for sale to Ally Credit, trade it in, or simply continue your payments)
- Available in all provinces and territories
Additional Details
Subject to payment of a $199 disposal fee and any excess wear and tear or kilometre charges. Other conditions and limitations apply. Alternatively, customers can continue at the initial payment amount for the remaining term of the contract or trade-in their vehicle to a GM dealer.
‡Smart Purchase ® financing is available on approved credit through Ally Credit. Eligible vehicles: 2012 MY new Chevrolet/Buick/GMC/Cadillac. Dealer order (2012MY only) or trade may be required. Applies only to qualified retail customers in Canada.
Payments amortized over a term of up to 84 months. At months 35-37, 47-49 or 59-61 customer may: (i) exercise option to return vehicle for sale to Ally Credit if applicable conditions met, including payment of $199 disposal fee and any excess wear/km charges; (ii) continue at initial payment amount for remainder of term; or (iii) trade-in vehicle to dealer. This offer may not be combined with certain other consumer incentives available on GM vehicles. GMCL or Ally Credit may modify, extend or terminate this offer in whole or in part at any time without notice. Conditions and limitations apply. See your dealer for details.
