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Trucks · By Monthly PaymentQuick answer $500 a month at 5.99% APR for 84 months with $0 down finances about $34,200 before tax, title and license, assuming top-tier credit. Below is every truck Carter Chevrolet in Okarche has in stock under that price, new and used, live from our inventory. No doc fee, no addendum, free delivery anywhere in Oklahoma.
Same math, different cap. Every page is live inventory.
*Payment estimates assume 5.99% APR for 84 months with $0 down for a buyer with top-tier approved credit: 84 monthly payments of $14.60 per $1,000 financed. Excludes tax, title and license. Your rate is set by the lender and depends on credit history, so a lower score means a higher payment; GM rate support, where offered, can lower it on new vehicles. The vehicle grid and search links on this page show live inventory and today’s prices, which change when GM incentives change. Carter does not charge a doc fee or an addendum.
Under $34,200 on a truck is thin, and we say so: it is used Colorados, previous-generation Silverado 1500s with miles, and the occasional Tundra or Tacoma that came in on trade. New trucks do not reach this payment without a down payment or trade equity; the nearest new truck is a Colorado WT in the high $30,000s.
If the one you want is a little over, the fix is simple: every $1,000 down or in trade equity takes about $14.60 off the payment, so a truck priced $37,200 gets under $500 with about $3,000 down, and one at $39,200 with $5,000. Trade-in with negative equity works the other way; text us the payoff and we will run it both ways.
Pulled from our live inventory, lowest price first (current specials at the top), and anything priced over $34,200 is filtered out automatically. Multiply any price by 0.0146 for its payment on the baseline above. The gold button opens the complete list.
*Payment estimates assume 5.99% APR for 84 months with $0 down for a buyer with top-tier approved credit: 84 monthly payments of $14.60 per $1,000 financed. Excludes tax, title and license. Your rate is set by the lender and depends on credit history, so a lower score means a higher payment; GM rate support, where offered, can lower it on new vehicles. The vehicle grid and search links on this page show live inventory and today’s prices, which change when GM incentives change. Carter does not charge a doc fee or an addendum.
5.99% for 84 months is what a buyer with excellent credit typically sees on a longer term right now; it is a baseline, not a quote. Your rate comes from the lender, and we send one application to the right lenders among the more than 50 we work with. Here is what different credit scores usually get, and if yours is under 620, more than half of our lenders handle subprime, so start with the bad-credit financing page and expect a higher payment than the one on this page. On new Chevys, GM rate support can bring the rate under this baseline; current programs are on the Chevrolet specials page.
It is the term that gets the most vehicle under a given payment, which is why this page uses it, and it is a normal term on new vehicles and late-model used ones. The trade-off is slower equity: on a $34,200 truck you owe more than it is worth for longer than on a 60- or 72-month loan. If you plan to trade in three or four years, run the payment calculator at 72 months as well, or put money down to shorten the term at the same payment. We will show you both on the same vehicle.
No doc fee, no addendum, no “market adjustment,” and the same price whether you finance with us, your credit union, or pay cash. Tax, title and license are the only things added.
Good credit, thin credit or bad credit, one application goes to the lenders most likely to approve it, and we tell you the answer and any conditions before you drive out. You can pre-qualify with no credit hit first.
Paperwork by e-signature, the truck delivered to your driveway and the trade picked up at the same visit. Most of our Oklahoma City customers never make the drive to Okarche.
$500 a month at 5.99% APR for 84 months with $0 down finances about $34,200 before tax, title and license. Under $34,200 on a truck is thin, and we say so: it is used Colorados, previous-generation Silverado 1500s with miles, and the occasional Tundra or Tacoma that came in on trade. The grid on this page is the live list.
No. Oklahoma sales and excise tax and the title and tag fees are added to the amount financed or paid up front, which adds roughly $22 to $45 a month on a $34,200 vehicle if you roll them in. There is no doc fee and no addendum at Carter, so price plus tax and tags is the whole number.
Top-tier credit, generally 740 and up, which is what 5.99% on an 84-month loan assumes right now. A 680 score might see a point or two higher; under 620, expect a noticeably higher rate and a shorter maximum term from subprime lenders. Pre-qualifying through Capital One on our site shows your range without a hard pull.
About $5,000, in cash or trade equity, since every $1,000 down takes roughly $14.60 off the payment on this rate and term. A trade with equity does the same job; send photos and the mileage and we will give you a real number.
Yes. The same $34,200 truck is about $567 a month at 5.99% for 72 months, and about $661 for 60. Shorter terms build equity faster and cost less in total interest; we will quote all three on the same vehicle.
Free delivery anywhere in Oklahoma. The paperwork is done electronically before the vehicle leaves Okarche, and we pick up the trade at the same visit.
SUVs under $500 a month · All vehicles under $500 a month · Trucks by monthly payment · Credit score and car loan rates · Payment calculator
All financing subject to credit approval. Inventory shown is live and sells daily; a vehicle in the grid is in stock or arriving at Carter Chevrolet in Okarche at the time you load the page.
Text the stock number and your zip code to 405-546-1147 for the out-the-door price with tax and tags, the payment at the rate you qualify for, your trade value and a delivery date.