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Chevy Lease Return Checklist: What to Do in the 90 Days Before Your Lease Ends

Your lease has an end date, and it's printed right there on the contract you signed three years ago. Most people forget it until a letter shows up. Then there's a scramble: what do I owe, do I have to fix that door ding, can I just keep the truck, what if I'm 4,000 miles over?

None of that has to be stressful. Give yourself 90 days and the whole thing becomes a series of small, easy decisions. Here's the checklist we walk San Antonio drivers through at Valmark Chevy, in the order it actually matters.

The short answer: what happens when a Chevy lease ends?

At lease end you have three choices. You can return the vehicle and walk away, you can buy it at the residual value listed in your contract, or you can trade it in toward something new and let any equity roll forward. Before any of that happens, the vehicle gets a pre-return inspection that checks mileage, tires, glass and body damage. Normal wear is expected and not charged. Excess mileage is typically billed around $0.25 per mile on Chevy leases, and a disposition fee (often in the $400 to $500 range) applies if you return the vehicle and don't lease or buy another one.

That last part is worth reading twice. Staying with the brand usually makes the disposition fee disappear.

90 days out: pull three numbers

Everything else depends on these.

  1. Your residual value. It's in your lease agreement, sometimes called the purchase option price. This is what the vehicle costs if you decide to keep it.
  2. Your current odometer reading versus your allowance. A 36-month, 10,000-mile-per-year lease gives you 30,000 miles total. Divide your miles by the months you've had it and you'll know instantly whether you're tracking over or under.
  3. What the vehicle is actually worth today. Not what you think, not what a forum says. Run it through Value Your Trade and you'll have a real figure in a couple of minutes.

Compare number three to number one. If your Equinox is worth more than the residual, that gap is yours. It's real money, and it can become a down payment. If it's worth less, no problem, you hand back the keys and that's the end of it. That flexibility is the whole point of leasing.

60 days out: the wear and tear walkaround

Do this in daylight, in a clean driveway, with the vehicle washed. Grab a friend. You're looking at it the way an inspector will.

Chevy's standard wear guidelines are more forgiving than people expect. Small dings, light scratches that don't go through the paint, minor interior scuffs on the door sills, a bit of carpet wear from work boots. All normal. What gets flagged is different.

Commonly charged items

  • Windshield cracks. Chips from gravel are practically a San Antonio tax if you commute on Loop 1604 or US 281 through construction. A chip smaller than a quarter is usually fine. A crack that spreads across the driver's view is not.
  • Tires below the tread minimum. Anything under 4/32 of an inch typically comes back as a charge, and matching brands matters on all-wheel-drive models.
  • Curb rash and bent wheels. Parallel parking downtown and the tight garages near the Pearl claim a lot of alloy wheels.
  • Dents larger than about two inches, or any panel with paint damage.
  • Missing items. Both key fobs, the cargo cover, the tonneau, the owner's manual, the charge cord if you leased an EV. Missing pieces get billed at retail.

The hail question

We get hail. April and May roll through and half the lot picks up dimples. Hail damage is not normal wear, and it does get charged. If your leased Chevy took a beating, file the comprehensive claim with your insurance now rather than in month 36. Paintless dent repair on a Silverado hood costs a fraction of what a lease-end assessment will.

Fixing small stuff yourself is almost always cheaper than being billed for it, as long as the repair is done properly. A $180 windshield chip repair beats a $500 glass charge. But don't go overboard. Nobody needs a full respray on a returning Trax.

30 days out: pick your lane

By now you know your numbers and the vehicle's condition. Here's how the three paths compare.

Option Makes sense when Watch out for
Return it and lease something new You're near your mileage allowance, you like a fresh warranty, and you want a predictable payment Disposition fee if you don't stay with Chevy; wear charges settle at return
Buy it out You're way over miles, the vehicle is worth more than the residual, or you simply love it You'll need financing and Texas tax and title on the purchase price
Trade it in early There's equity in the vehicle and you want it applied to your next Chevy Remaining payments still count; we calculate that into the deal

People forget option two more than any other. If you leased a Silverado 1500 in a year when residuals were set conservatively, the truck may be worth thousands more than your buyout figure. Buying it and keeping it is a legitimately good move. So is buying it and immediately trading it. Both start with the same phone call.

Before you commit, run scenarios through our Payment Calculator. Change the down payment, change the term, see what happens. It takes ninety seconds and it stops a lot of second-guessing at the desk.

Can you turn a Chevy lease in early?

Yes, and it happens constantly. Chevy frequently offers pull-ahead programs that waive your last two or three payments if you lease again. Whether that math works depends on your equity position and what incentives are live that month. Bring your account number and we'll compare turning in today against riding it out to the final payment. Sometimes waiting is better. We'll tell you when it is.

What if you're over your mileage?

At roughly a quarter a mile, 5,000 extra miles is about $1,250. That's the number to beat. Two ways to beat it: buy the vehicle (mileage stops mattering the second you own it), or trade it in, where excess miles get absorbed into the appraisal instead of billed as a line item. Drivers who run I-10 to Boerne or make the Austin trip twice a week almost always land here, and it's rarely as bad as they feared.

Get financing sorted before you show up

If you're buying out or moving into something new, handle the money side early. Submit a Finance Application online and you'll know your terms before you pick a color. Our Finance Center works with local credit unions and national lenders, and yes, we place plenty of customers with challenged credit.

Not sure you want another new vehicle payment? Our lot is full of low-mileage lease returns, which is exactly where Certified Pre-Owned Vehicles come from. Factory-backed warranty, multi-point inspection, a payment that's usually noticeably lighter than new.

What to bring on return day

  • Both key fobs
  • Owner's manual and any accessories that came with the vehicle
  • Your inspection report, if you had one done
  • Service records showing oil changes and tire rotations
  • Proof you've cleared any toll tags or personal items from the vehicle

Clean it out. Check the center console, the seat backs, the spare tire well. Somebody's garage remote ends up in a returned Traverse every single month.

Ready when you are

Lease end shouldn't cost you money you didn't plan on, and it definitely shouldn't cost you equity you didn't know you had. Start with a free appraisal, bring us your contract, and we'll lay out all three options side by side with real numbers on the page. Call Valmark Chevy or stop by, and we'll get your lease closed out the easy way.

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Fall Chevy Maintenance in San Antonio: What to Check Before the First Cold Front

San Antonio summers don't quit politely. They grind on through September, and by the time October rolls around your Chevy has spent roughly five months sitting in 95 to 105 degree heat, crawling up I-35 with the A/C on max, and baking in a parking lot off Loop 1604 while you ran errands. That kind of season leaves marks. Rubber gets brittle, battery fluid evaporates, oil breaks down faster, and coolant that's been cycling hard all summer starts losing its edge. Fall is the smartest time of year to catch all of it. Cooler mornings are coming, holiday road trips to the Hill Country or out to the coast are on the calendar, and shop schedules are calmer than they'll be in December. Here's what actually matters, what you can skip, and how often each item genuinely needs attention on a Chevrolet. Why does Texas heat shorten the life of car parts? Heat accelerates chemistry. That's the short version. Engine oil oxidizes faster above 200 degrees of sustained operating temperature, battery electrolyte evaporates through the vent caps, coolant additives deplete, and rubber components like belts, hoses and wiper blades dry out and crack. A battery that might last five or six years in Minnesota often gives up after three in Bexar County. Same battery. Different climate. So the maintenance intervals printed in your owner's manual are a starting point, not gospel. Many San Antonio drivers fall under what GM calls severe service conditions: short trips, stop-and-go traffic, high ambient temperatures, dusty roads. If your commute is eight miles down 281 twice a day, your Chevy is working harder than the mileage suggests. The fall checklist, in order of what fails first 1. Have your battery tested (yes, even if it starts fine) This is the number one thing we see in October and November. Summer heat quietly kills the battery, then the first 40 degree morning exposes it. Cold weather thickens engine oil and reduces a battery's available cranking amps at the exact moment the starter needs more of them. A battery that limped through August will strand you in the H-E-B parking lot in December. Ask for a load test. It takes a few minutes, it's usually free with other work, and it tells you the actual cold cranking amps your battery is producing versus what it's rated for. If it's under about 75 percent of spec, replace it now instead of at 6 a.m. on a work day. Our Battery Service team stocks ACDelco batteries matched to your exact model, and the installation includes cleaning the terminals and checking the charging system, because a bad alternator will eat a brand new battery in a matter of weeks. 2. Oil and filter, on the oil life monitor's schedule Every modern Chevy has an oil life monitoring system that tracks engine revolutions, operating temperature and trip length rather than just counting miles. Trust it. When it reads 20 percent or lower, book the appointment. Most Silverado, Equinox, Trax and Traverse owners in town land somewhere between 4,000 and 7,500 miles between changes, with heavy stop-and-go drivers on the short end of that. Use the right oil. Chevy engines built in the last several years specify dexos1 Gen 3 synthetic, and the turbocharged 1.2L and 1.5L engines in the Trax, Trailblazer and Equinox are particularly unforgiving about oil quality because the turbo bearing runs on that oil at extreme temperatures. An Oil Change Service here includes a multi-point inspection, so the tech is looking at your belts, hoses, fluid levels and tire tread while the vehicle is already on the lift. 3. Tires and rotation Rotate every 7,500 miles, or at every other oil change if that's easier to remember. Front tires on a front-drive Equinox wear faster on the outer shoulders. Rear tires on a Silverado wear differently again depending on whether you're hauling. Rotation evens it out and can add thousands of miles to a set. Check pressure in the fall specifically. Tire pressure drops roughly 1 PSI for every 10 degree fall in ambient temperature. When San Antonio goes from a 100 degree afternoon to a 45 degree morning in November, you can lose 5 PSI and trip the low-pressure warning light. Underinflated tires wear the edges, hurt fuel economy and handle poorly in the rain, and October and November bring real rain here. Use the penny test if you want a quick read at home. Tread below 4/32 of an inch starts losing wet grip in a hurry, and hydroplaning on 410 at 65 mph is not the way to find out. 4. Brakes Hill Country driving punishes brakes. So does towing a boat back from Canyon Lake. Listen for a high-pitched squeal at low speed, feel for a pulse in the pedal, and notice if the pedal is sitting lower than it used to. Any of those means it's time for Brake Service. Pads under 3 millimeters should be replaced, and rotors that have worn past their minimum thickness stamp need to come off rather than get turned. Brake fluid matters too, and almost nobody thinks about it. It's hygroscopic, meaning it absorbs moisture out of the air, and moisture lowers the boiling point. GM generally recommends a flush around every 45,000 miles or five years. Cheap insurance on a truck that tows. 5. Coolant, belts and hoses Squeeze the upper radiator hose when the engine is cold. If it feels mushy or crunchy instead of firm and pliable, it's aging out. Dex-Cool coolant in most Chevy models is good for around 150,000 miles or five years, whichever comes first, but a summer of A/C use and idling in traffic is exactly the load that finds a weak water pump or a cracked hose. 6. Wipers, cabin filter, and lights Sun destroys wiper blades. If yours chatter or leave streaks, replace them before the first real storm. Swap the cabin air filter around every 22,500 miles, sooner if you park under live oaks or if cedar season leaves you sneezing behind the wheel every January. And walk around the car once with the lights on. Days get shorter fast after the time change. Chevy maintenance intervals at a glance Service Typical interval San Antonio note Oil and filter change Per oil life monitor, often 5,000 to 7,500 miles Short trips and heat shorten it Tire rotation Every 7,500 miles Pair it with your oil change Battery test Twice a year Expect 3 to 4 years of life, not 5 Engine air filter Around 45,000 miles Sooner on caliche and construction routes Cabin air filter Around 22,500 miles Sooner if allergies bother you Brake fluid About every 45,000 miles or 5 years Critical if you tow Engine coolant About 150,000 miles or 5 years Inspect hoses annually Common questions we get in the fall How much does a Chevy oil change cost? It depends on engine size and whether your vehicle takes full synthetic dexos1, which nearly all newer Chevys do. A 1.5L Equinox uses less oil than a 6.2L Silverado, so the price spread is real. Check our current Service & Parts Specials page before you book, since oil change and tire rotation packages rotate monthly. Do I have to service my Chevy at a dealership to keep the warranty? No. You can have maintenance performed anywhere, and federal law protects that. What you do need is documentation that the required maintenance was performed with parts meeting GM specifications. The advantage of a dealer Service Center is that the technicians are trained specifically on Chevrolet powertrains, the parts are GM Genuine and ACDelco, and any open recalls or software updates get caught while your vehicle is in the bay. How long does a typical appointment take? An oil change with a rotation and inspection usually runs under an hour. Brake work on one axle is generally the same morning. Bigger jobs get quoted before any work begins, always. What if I drive very few miles? Time still counts. Oil degrades sitting still, and a car driven 3,000 miles a year should still get an annual oil change and a battery check. Low-mileage vehicles are often the ones with the worst batteries, because short drives never fully recharge them. Get it handled before the holidays Fall in San Antonio is short and the shop calendar fills up once Thanksgiving travel starts. Book now, get the battery tested, the oil changed and the tires rotated in one visit, and head into the cooler months without a warning light on the dash. Schedule online at valmarkchevy.com or call our service team to reserve a time that works around your day. We'll tell you what needs doing, what can wait, and what it costs, in plain language, before we touch a wrench.

Chevy Trim Levels Decoded: What LS, LT, RS, Z71, Premier and High Country Actually Get You

Every week somebody walks onto our lot, points at two SUVs parked side by side, and asks why one costs several thousand dollars more than the other. Same paint. Same shape. Different badge on the tailgate. That badge is the trim level, and it's probably the single most confusing part of shopping for a new Chevy. So let's clear it up. No brochure language. Just what you actually get when you move up the ladder, and which rung makes sense for the way people drive around San Antonio. What is a trim level, exactly? A trim level is a pre-set package of equipment, powertrain and cosmetic choices that Chevrolet builds a vehicle with. It's not a separate model. A base Equinox and a loaded Equinox share the same body, the same crash structure and, in many cases, the same engine. What changes is the interior material, the wheel size, the screen count, the seat features, the drivetrain options and how much of the tech comes standard versus optional. Here's the part nobody tells you: safety is not the upgrade. Chevy Safety Assist, which bundles automatic emergency braking, forward collision alert, lane keep assist with lane departure warning, following distance indicator and an IntelliBeam high beam, comes standard across the lineup, base trims included. You're not buying protection when you move up. You're buying comfort, capability and convenience. The Chevy trim ladder, bottom to top LS: the honest starting point LS is the entry trim, and it is not a penalty box. You still get the big center touchscreen, wireless Apple CarPlay and Android Auto on most models, cloth seats that hold up fine to Texas summers, and the same warranty as everything else on the lot. If your commute is I-10 to downtown and back, and you want a new vehicle with a payment that doesn't sting, LS deserves a real look. LT: where most people land LT is the volume trim for a reason. This is where you typically pick up things like a power driver's seat, remote start, better wheels, upgraded cloth or available leatherette, heated front seats on many builds, and access to option packages that LS doesn't offer. If someone asks me "what does LT mean on a Chevy," the short answer is: the sweet spot. Comfort features people use daily, without the premium-trim jump. RS: the blacked-out one RS is mostly appearance, and that's fine. Black bowtie, black grille and badging, dark wheels, red RS lettering, sportier seat trim. Mechanically it's usually close to an LT. If you like how a vehicle looks in the parking lot at the Rim on a Saturday, RS is the trim that gets stared at. The Trailblazer RS and the Equinox RS both pull this off well, and the small-SUV RS packages are some of the best-value cosmetic upgrades Chevy sells. Z71 and Trail Boss: dirt-road trims Z71 means off-road hardware, not just stickers. Think all-terrain tires, hill descent control, skid plates, a two-speed transfer case on trucks and body-on-frame SUVs, and tuned suspension. On the Colorado, the ladder runs WT, LT, Trail Boss, Z71 and ZR2, with Trail Boss adding a factory lift and wider track, and ZR2 going full desert-runner with Multimatic DSSV dampers. All Colorado trims use the same 2.7L turbo four, and the higher output version makes roughly 310 horsepower and 390 lb-ft of torque, with a max tow rating right around 7,700 pounds when properly equipped. That's plenty for a bay boat headed to Canyon Lake or a pair of side-by-sides bound for Hill Country trails. Premier and High Country: the quiet luxury end Premier and High Country are where leather, ventilated seats, premium audio, adaptive cruise, larger wheels and real wood or aluminum trim show up. High Country sits above Premier on trucks and full-size SUVs. On the Tahoe, High Country also unlocks the good stuff for long hauls: available Duramax 3.0L turbo-diesel with about 305 horsepower and 495 lb-ft, air ride adaptive suspension, and Magnetic Ride Control. If you drive to Houston or the Valley more than once a month, that combination changes how tired you feel when you arrive. Quick comparison table Trim Main idea Typically includes Best for LS / WT Value Big touchscreen, phone mirroring, Chevy Safety Assist Commuters, work fleets, first new car LT Everyday comfort Power seat, remote start, heated seats available Most families RS / Activ Appearance Dark exterior trim or rugged styling cues Buyers who care how it looks Z71 / Trail Boss / ZR2 Off-road capability All-terrains, skid plates, tuned suspension Ranch roads, trails, towing Premier / High Country Near-luxury Leather, ventilated seats, premium audio, driver aids Long trips, loaded interiors Which trim actually fits San Antonio driving? Our roads and weather push the decision in a few specific directions. Loop 1604 and 281 stop-and-go traffic. Adaptive cruise control is worth more here than horsepower. Look at LT with a driver confidence package, or step to Premier where it's standard. August heat. Ventilated front seats and remote start are not luxuries in a black interior. Remote start shows up early on the ladder. Ventilation usually waits for Premier or RS-with-package builds. Third-row duty. If you're hauling kids and a carpool, the Traverse gives you three rows with a 3.6L V6 making around 310 horsepower and roughly 5,000 pounds of towing, and its mid trims are the value play. Caliche, low water crossings and deer leases. Z71 or Trail Boss. All-terrain tires and real skid plates matter once the pavement ends past Bandera. Hail season. Whatever trim you choose, ask us about covered delivery and protection options. Everybody in Bexar County learns this lesson once. Common questions we get on the lot Is a higher trim safer? No. Core safety tech is standard across trims. Higher trims add convenience-oriented aids like adaptive cruise, HD surround vision and rear pedestrian alert, which help, but the crash structure and standard braking tech don't change. Does trim level change fuel economy? A little. Bigger wheels, all-terrain tires and all-wheel drive usually cost you a mile or two per gallon. A front-drive LT on standard wheels will beat an AWD Z71 on the window sticker every time. Do higher trims hold value better? Generally yes on trucks and off-road trims, where Z71, Trail Boss and High Country badges stay in demand on the used market in Texas. On compact SUVs, mid trims like LT and RS tend to give you the best balance of purchase price and resale. Can I get a specific trim ordered if it's not on the lot? Yes. If the exact color and trim combination you want isn't in our new Chevy inventory, we can search dealer stock or place a factory order. Tell us your must-haves and your walk-away features, and we'll work backward from there. What's the difference between a trim and a package? Trim sets the baseline. Packages add specific groups of features on top of it, like a convenience package or a tow package. Sometimes an LT with the right package equals a Premier for less money. That's exactly the kind of math we're happy to run with you. Come compare trims in person Reading spec sheets only gets you so far. Sitting in an LT and then a Premier back to back, five minutes apart, tells you in about thirty seconds which one you actually want. That's the fastest way to stop second-guessing yourself. Stop by Valmark Chevy, browse our new Chevrolet inventory online, or call ahead and we'll have two trims of the same model parked next to each other and ready to drive when you arrive. Bring your questions. We'll bring the keys.

Buying a Used Chevy Near San Antonio: The Checklist We'd Use Ourselves

Shopping used is smart. It's also the part of car buying where people get nervous, because a shiny paint job hides a lot and a low price can cost you later. So here's the checklist our team actually uses when we appraise, recondition and price a vehicle for our lot. Steal it. Use it on us, use it on the guy selling a truck on the side of Highway 90, use it anywhere. Start With How You Actually Drive Around Here Before you look at a single listing, be honest about your week. Someone commuting from Converse to downtown on I-35 every morning has completely different needs than a contractor running FM 78 with 4,000 pounds behind them. Heat matters too. San Antonio summers cook batteries, tires and A/C compressors, and a used car that was garage-kept in a cooler climate will often look better under the hood than one that baked in a caliche driveway for eight years. Rough guide: Long highway commutes: higher mileage is fine. Highway miles are gentle miles. Prioritize tires, brakes and a clean maintenance record over the odometer number. Family hauling and school runs: look hard at second and third row condition, LATCH anchors, rear A/C vents and whether the infotainment supports wireless Apple CarPlay. Used SUVs like the Equinox, Traverse and Tahoe cover most of this market. Towing or hauling: check the actual trailer package, receiver, wiring and axle ratio, not just the badge. Our lineup of Used Trucks ranges from half-ton Silverado 1500s to heavy duty crew cabs, and the spread in real towing capacity between two similar looking trucks can be several thousand pounds. Business use: if the truck is a tool, not a toy, price it like equipment. Upfits, ladder racks and gooseneck prep move the needle. Start with Commercial & Work Trucks. Fuel budget: if you're driving 1,200 miles a month, gas is a real line item. Some shoppers land on a used four cylinder, others end up cross shopping New Electric & Hybrid Vehicles once they run the numbers. Used or Certified? Know What You're Paying For A regular used car is sold as-is unless there's remaining factory coverage. A certified one carries manufacturer-backed protection, and with Chevrolet that means real, specific coverage instead of a vague promise. Here's what Chevy certification includes: Item What You Get Inspection 172-point inspection and reconditioning before it's listed Powertrain warranty 6-year / 100,000-mile limited coverage from original in-service date Bumper-to-bumper 12-month / 12,000-mile limited warranty Eligibility Generally within 6 model years and under 75,000 miles History CARFAX vehicle history report included Extras Two included maintenance visits, 24/7 roadside assistance, 3-day / 150-mile exchange Is the premium worth it? If you plan to keep the vehicle past 100,000 miles, usually yes. One transmission repair costs more than the certification bump on most vehicles. We break the math down further in our piece on Certified Pre-Owned Vehicles. If you're buying an older, cheaper commuter and you have a mechanic you trust, a well-documented non-certified car can be the better value. Both answers are legitimate. The 10-Minute Walkaround Do this in daylight. Not at dusk, not under showroom lights, and not in the rain, because water hides swirl marks and panel mismatch. Stand at the corners. Sight down each side. Ripples in the reflection mean bodywork. Check that the gaps between hood, fenders and doors are even. Tires. All four should match in brand and tread depth. Uneven inside wear means alignment or worn suspension. Check the DOT date code; tires older than six years are hard, even with tread left. Under the hood, cold. Look for crusty residue around hose ends, a coolant reservoir that's dark instead of clean, and oil sludge under the fill cap. Fluids. Transmission fluid should be red or pink, not brown. Brake fluid should be honey colored. Inside. Sniff. Musty means water. Pull the trunk mat and check the spare well for rust or silt. Electronics. Every window, every lock, the sunroof, the rear defroster, the backup camera, the heated seats. Run the A/C on max for five straight minutes and check that vent air stays cold. Texas will find that weakness in July if you don't find it now. Wear vs. odometer. A shiny 60,000-mile car with a worn brake pedal pad and a polished steering wheel is telling you something. The Test Drive That Actually Tells You Something Fifteen minutes around the block proves nothing. Get the vehicle up to 70 on a stretch of I-10 or Loop 1604 and feel for vibration in the wheel or the seat. Find a rough section of city street and listen for clunks over expansion joints. Brake firmly once from about 45 in a clear lot; the pedal should stay high and the car should stop straight. Merge hard from an on-ramp and pay attention to how the transmission shifts under load. On a truck, do all of that, then park it on an incline and check for driveline shudder pulling away. Turn the radio off for at least part of the drive. You're listening, not commuting. Texas Paperwork and What It Really Costs The sticker isn't the total. Budget for these: Motor vehicle sales tax: 6.25% in Texas, calculated on the sales price or the standard presumptive value, whichever the state applies. Title application fee: around $33, varies slightly by county. Registration: roughly $51 base for passenger vehicles, plus local county fees. Inspection replacement fee: Texas ended annual safety inspections for most passenger vehicles in January 2025, but there's a program replacement fee collected at registration. Emissions requirements vary by county, so confirm current rules with the TxDMV for Bexar, Guadalupe or Comal. Buying from a dealership means the title work gets handled for you. Buying private party means you're the one at the county tax office with a signed title, Form 130-U and proof of insurance, and if the seller's title has a lien that was never released, that's now your problem. Questions We Get Asked Every Week How many miles is too many on a used car? There's no hard cutoff. Condition and service history beat the odometer almost every time. A 90,000-mile Silverado with documented oil changes every 5,000 miles is a better buy than a 45,000-mile car that skipped three services. For financing purposes, though, lenders often get stricter past 100,000 miles and on vehicles more than 10 model years old, so that's where the practical ceiling usually sits. Should I get a pre-purchase inspection? On a private-party purchase, always. On a certified vehicle, the 172-point inspection and included warranty cover the ground an independent shop would. On a non-certified dealership car, ask for the reconditioning records, and ask what was replaced. What credit score do I need to finance a used car near San Antonio? Buyers above about 700 typically see the strongest rates. Below that, approvals still happen every day here, usually with a larger down payment or a shorter term. Getting pre-approved before you shop tells you your real budget instead of your hoped-for one. Is it cheaper to buy used or lease new? Monthly, a lease often looks cheaper. Over five or six years, a used vehicle you own outright almost always wins, because you eventually stop making payments. If you drive more than 15,000 miles a year, used is usually the clearer choice. How much should I put down? Twenty percent is the old rule and it still works. It keeps you from going upside down while the vehicle takes its steepest depreciation. Ten percent is workable on a certified vehicle with a shorter term. Come Look at One in Person Photos flatten everything. Sit in it, run the A/C, drive it on a road you know. Browse the used and certified inventory at Valmark Chevy online, then come see us with this checklist in hand and ask us the hard questions. Bring your trade for a free appraisal while you're here, and if you want numbers before you drive over, start a pre-approval on our site and we'll have your options ready when you walk in.