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0% APR FinancingCurrent Finance Specials · Okarche, OK
0% APR
for 60 Months
On new 2025 and 2026 Chevrolet Silverado 1500 — for well-qualified buyers through GM Financial.
If you’ve been waiting for the right time to trade up, this is about as good as new-car financing gets. Zero percent for five full years is the kind of rate that doesn’t come around often — and right now it’s on three of the vehicles folks around Okarche, Kingfisher, and the northwest OKC metro ask us about most. No gimmicks, no pressure. Here’s the honest breakdown of what’s on offer and what it’s worth to you.
Silverado 1500
The workhorse. Whether you’re pulling a trailer, running gravel county roads, or just want a truck that earns its keep, the Silverado 1500 backs it up with real capability. Build it for the ranch or for the daily — either way it holds up.
This offer applies to new 2025 and 2026 Silverado 1500 models — every trim. Stock may vary, so call us at (405) 546-1147 to confirm what’s on the lot.
Zero percent isn’t a discount on the sticker — it’s the elimination of interest. On a standard loan, interest quietly adds thousands to what you actually pay. Here’s an illustration of the difference over a 60-month term:
| Amount financed | Total interest at 0% APR | Approx. interest at 7% APR* | Your savings |
|---|---|---|---|
| $25,000 | $0 | ~$4,700 | ~$4,700 |
| $35,000 | $0 | ~$6,600 | ~$6,600 |
| $45,000 | $0 | ~$8,500 | ~$8,500 |
*For illustration only. The 7% comparison rate is an example, not a Carter Chevrolet or GM Financial quote. Your actual rate, term, amount financed, and savings will vary based on credit approval, the vehicle, and current terms. This is not an offer of credit.
The 0% rate is a standalone GM Financial program, so it does not stack with customer cash or bonus cash. You can take 0% for 60 months, or you can take the cash offers at a standard rate. A trade-in applies either way.
Which one actually saves you more depends on the truck and how much you finance. The cash on a Silverado 1500 varies quite a bit by engine, so the only honest answer comes from running both numbers on the specific truck you want. We’ll do that on the phone and show you both totals side by side — including when the cash is the better deal and you should walk away from the 0%.
The rough rule: the more you finance and the longer you hold the loan, the better 0% looks. Finance a smaller amount, or plan to pay it off early, and the cash usually wins.
This rate is reserved for well-qualified buyers who finance through GM Financial — that generally means strong credit. Not sure where you stand? That’s fine. We work with all kinds of credit situations here, and even if you don’t land the 0%, we’ll find financing that fits. The honest move is just to get pre-approved so we can show you real numbers instead of guesses.
A trade-in stacks right on top of this, too — in Oklahoma you only pay sales tax on the difference between the new vehicle and your trade, so your trade does double duty: it lowers your out-the-door price and your tax bill. Get your trade value here.
Does 0% APR mean there’s no down payment?
No — 0% APR is about the interest rate, not the down payment. You may still put money down (or roll in a trade), which lowers your monthly payment and the total you finance. The 0% simply means you don’t pay interest on the amount you do finance.
Can I combine 0% financing with rebates or a trade-in?
A trade-in always applies. Cash does not. The 0% is a standalone GM Financial rate, which means it cannot be combined with customer cash or bonus cash — you take the rate or you take the cash. Call us and we’ll run both on the exact truck you want and show you which one costs less.
What credit score do I need for 0% APR?
There’s no single published cutoff — it comes down to GM Financial’s approval for “well-qualified” buyers, which generally means strong credit. The only way to know for sure is to apply. If you don’t qualify for the 0%, we’ll still find you a competitive rate.
How long does this offer last?
Through September 30, 2026. Manufacturer finance offers change month to month, so if the timing works for you, it’s worth moving while it’s here.
Which trims and model years qualify?
New 2025 and 2026 Silverado 1500 models qualify — every trim. Availability depends on current stock — call (405) 546-1147 and we’ll tell you exactly what’s on the lot right now.
Jason Leck is the General Manager at Carter Chevrolet, the family-owned dealership in Okarche, Oklahoma that has served the Oklahoma City metro since 1973 — and, as he puts it, the shop’s janitor too. He helps Chevy shoppers across the northwest metro find the right fit with the no-pressure approach Carter is known for. Meet the team →