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Fill out the secure application below and our finance team will get to work shopping your application across our lender network. There’s no cost and no obligation — applying simply starts the conversation.

🔒 Encrypted & secure  •  Your information is never sold  •  New & used vehicles  •  All credit situations

Financing a vehicle shouldn’t feel like a gamble — or a mystery. At Weld County Garage GMC, the finance office works the same way the rest of the store has worked since 1908: upfront numbers, plain English, and no pressure. We work with roughly 40 lenders and lean hardest on about five top partners who fight for our customers, so whether you’re financing a new Sierra, leasing a Terrain, or putting together a loan on a $9,000 commuter, there’s a real path forward. Here’s exactly how it works.

The Honest Version

All Credit Situations — But Never a Guarantee

You’ve seen the billboards: “Everyone approved!” We don’t talk that way, because it isn’t true. A dealership doesn’t approve loans — lenders do, after they review your credit profile, income, and the vehicle. What we control is effort and access. With roughly 40 lenders in our network — national finance companies, regional banks, and Northern Colorado credit unions — we can take one application and shop it across institutions that each look at credit differently. The lender who says no to one buyer may have a program built for the next.

So here’s our honest promise: we work with lenders for every situation — strong credit, rebuilding credit, first-time buyers, and challenged credit. We’ll be straight with you about what the offers look like and what you can do to improve them. That’s a better deal than a guarantee that doesn’t exist.

One Application, Two Lots

New GMC or Any Used Make — We Finance Both

Finance vs. Lease

Which Path Fits You?

Step By Step

How the Financing Process Actually Works

No mystery, no runaround. Here’s the path from “I’m thinking about it” to driving home in something that fits your budget.

Come Prepared

What to Bring & How to Strengthen Your Application

Walking in with the right documents speeds everything up and gives lenders a clearer picture — which can only help. Here’s the short list.

Want the strongest possible position? A down payment or trade-in equity lowers the amount financed, which can improve the terms a lender offers and trim your monthly payment. A co-signer with established credit can help first-time and rebuilding buyers. And steady, documented income is one of the things lenders look at most. None of these guarantee approval — but each one gives a lender more reasons to say yes.

Know Before You Apply

Your Credit Score, Soft Pulls & Security

The number-one question we hear: “Will applying hurt my credit?” Here’s the plain-English answer. A pre-qualification step is often a soft inquiry that doesn’t affect your score, while a full application typically involves a hard inquiry. The good news: scoring models usually group multiple auto-loan inquiries made in a short shopping window, so rate-shopping doesn’t pile up against you. This is general information, not financial advice — your lender can speak to your specific situation.

As for your information: the application on this page is transmitted over an encrypted connection, goes only to our finance team and the lenders reviewing your application, and is never sold. We’ve been earning Northern Colorado’s trust since 1908 — we’re not going to spend it on spam calls.

Northern Colorado

Local Lender Relationships, Local Service

There’s a real advantage to financing through a dealership that has served the same community since 1908. Our lender network blends national finance companies with credit unions and regional banks we’ve built relationships with over decades of serving Greeley, Evans, Windsor, Loveland, and Fort Collins. Those local relationships matter when a buyer’s situation needs a second look — a lender who knows our store and our standards is more comfortable working a deal with us.

We’re a short hop off the US-34 and I-25 corridor at 2699 47th Ave in Greeley. And because the relationship doesn’t end when the loan closes, eligible vehicles come with the WCG ownership benefits Northern Colorado knows us for — from free car washes for life to our pickup-and-delivery service. Buy the vehicle, keep the dealership.

Questions, Answered

Auto Financing FAQ