Car Financing FAQ from Mataga GMC in STOCKTON

Mataga GMC CAR FINANCING FAQ

Let Us Help You Finance Your Next Vehicle in STOCKTON!

Buying a car is a process. First, you look into the vehicle you're interested in. Next, you must seek out responses to your financial questions. Mataga GMC wants to make car buying in STOCKTON as easy as possible for you, which is why we supply an auto financing FAQ. If you can't find the answers to your questions on this page, call us at (866) 857-3402 to speak to one of our friendly finance professionals. You can also pre-qualify for financing before even stepping foot in our dealership. Simply fill out our convenient online pre-qualification form and let us take care of the paperwork ahead of time!

Commonly Asked Auto Financing Questions

What exactly is APR or Annual Percentage Rate?
APR is the interest rate attributed annually on the outstanding balance of your auto loan.
How is my APR rate decided?
Many parameters define auto loan APR rates. One element is current economic bank rates, another is credit history, still another is your down payment on the auto loan, a fourth is the total amount you decide to finance, as well as the type of vehicle you're financing and the length of your financing contract.
What is Fixed Rate Financing?
Fixed Rate Financing is where the finance rate stays exactly the same over the life of the auto loan, making your payments precisely the same over the duration of your loan.
What is Variable Rate Financing?
Variable Rate Financing is where the finance rate changes depending on market trends, making the total amount you pay over the duration of the loan fluctuate compared to market bank rates.
What is Wholesale Rate?
The Wholesale rate refers to the rate at which the assignee purchases a retail installment sale contract from Mataga GMC .
Who is the Assignee?
The assignee is the bank that purchases your car loan from Mataga GMC .

Direct Lending Vs Dealership Financing in STOCKTON

What is the most important difference between Direct Lending and Dealership Financing, aside from who you make monthly payments to? Direct lending, in theory, gives you freedom to search around and evaluate lender rates, but it also can be a hassle. Financing with Mataga GMC means we find competitive market bank rates, which helps you save time and gets you into your new car faster. If you want to check around for other auto financing options in STOCKTON, Mataga GMC encourages you to do so. We encourage this because we know the more research you do, the more satisfied you'll be with your final vehicle purchase!

Customer Reviews (150Reviews)

4.7

View Inventory Read More Reviews

Great service and personality
        
        5
        
    02/03/2025

        Great service and personality
    
        Diego H.
        LODI
    
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Great customer service by my sales rep....
        
        5
        
    02/03/2025

        Great customer service by my sales rep. Rodney from start to finish! I also appreciate David, as he was involve in putting a quote together for me. I ...
    
        Mark P.
        MERCED
    
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Service was on time and casher was...
        
        4
        
    01/30/2025

        Service was on time and casher was friendly and helpful
    
        Fred B.
        STOCKTON
    
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Smooth hassle free
        
        5
        
    01/30/2025

        Smooth hassle free
    
        Peter F.
        LINDEN
    
    Read More

Chris Raimundi was great to work with....
        
        5
        
    01/30/2025

        Chris Raimundi was great to work with. He made the whole process quick and effortless, as well as answered all my questions. I’m very happy with the d...
    
        Matthew D.
        MANTECA
    
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Friendly atmosphere. They answered all...
        
        5
        
    01/24/2025

        Friendly atmosphere. They answered all my questions without any problems. They took their time to make sure all my inquiries were addressed and resolv...
    
        Kenneth A.
        MILPITAS
    
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Easy to get an appointment. Dropped car...
        
        5
        
    01/22/2025

        Easy to get an appointment. Dropped car off and was surprised that the service did not take as long as expected
    
        Jennifer S.
        N/A
    
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It was ok .did not like that they gave...
        
        4
        
    01/10/2025

        It was ok .did not like that they gave me back my truck dirty. Most places will give you your vehicle back clean when you have a major service done.
    
        Frank C.
        95212
    
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Great service as always.
        
        5
        
    01/03/2025

        Great service as always.
    
        Pablo O.
        STOCKTON
    
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Everyone there was welcoming and...
        
        5
        
    01/03/2025

        Everyone there was welcoming and patient. My overall experience was great and went super smooth.
    
        Jesus O.
        SANTA ROSA
    
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Hours Of Operation

Sales

    Monday
    
        9:00 AM
        7:00 PM
    
    Tuesday
    
        9:00 AM
        7:00 PM
    
    Wednesday
    
        9:00 AM
        7:00 PM
    
    Thursday
    
        9:00 AM
        7:00 PM
    
    Friday
    
        9:00 AM
        7:00 PM
    
    Saturday
    
        9:00 AM
        7:00 PM
    
    Sunday
    
    Closed

Service

    Monday
    
        7:00 AM
        6:00 PM
    
    Tuesday
    
        7:00 AM
        6:00 PM
    
    Wednesday
    
        7:00 AM
        6:00 PM
    
    Thursday
    
        7:00 AM
        6:00 PM
    
    Friday
    
        7:00 AM
        6:00 PM
    
    Saturday
    
        7:00 AM
        3:30 PM
    
    Sunday
    
    Closed

Parts

    Monday
    
        7:00 AM
        6:00 PM
    
    Tuesday
    
        7:00 AM
        6:00 PM
    
    Wednesday
    
        7:00 AM
        6:00 PM
    
    Thursday
    
        7:00 AM
        6:00 PM
    
    Friday
    
        7:00 AM
        6:00 PM
    
    Saturday
    
        7:00 AM
        3:30 PM
    
    Sunday
    
    Closed

Mataga GMC Car Financing FAQs

Mataga GMC CAR FINANCING FAQ

Commonly Asked Auto Financing Questions

Direct Lending Vs Dealership Financing in STOCKTON

Customer Reviews (150Reviews)

Great service and personality

Great customer service by my sales rep....

Service was on time and casher was...

Smooth hassle free

Chris Raimundi was great to work with....

Friendly atmosphere. They answered all...

Easy to get an appointment. Dropped car...

It was ok .did not like that they gave...

Great service as always.

Everyone there was welcoming and...

Hours Of Operation

Sales

Service

Parts

INVENTORY

FINANCE

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