By Sebastian Clark

Chevrolet is offering 0% APR Representative finance on 24- to 60-month terms on its Spark, Aveo, Kruze and Orlando models, valid until 30 September 2013.

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Over a maximum five-year term, the five-door Spark is available from £99 a month following a £1,805 deposit or part exchange; the Aveo 1.2 LS is available for a £139 monthly fee following a £1,855 deposit or part exchange; the Cruze Hatchback 1.6 LS is available from £179 a month with a £2,455 deposit, and the Cruze-variant Station Wagon from £199 a month with a £2,755 deposit. The Orlando 1.8 LS is available for a £230 monthly fee with a £3,048 deposit.

Compared to the Chevrolet offers on the same models in the summer, the deposit requirement on the Station wagon has been raised by £700 but lowered by £660 on the Orlando with a 5% rise in monthly payment.

All models in the 0% APR Representative finance program are offered with fixed servicing costs at £349 for three years or 30,000 miles, and £625 for five years or 50,000 miles. 0% Representative finance is available on all new models except the Captiva, Trax LS, Volt, Camaro and Corvette.

Santander and GM Financial

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As with the summer offers, finance is being supplied by either Satander Consumer Finance or GM Financial, the name given to GMAC following the reacquisition of the company by General Motors (GM) from Ally Financial. In May Chevrolet announced GM Financial would act as its captive finance provider.

However, Santander retains strong links with GM brands in the UK, such as providing finance for Network Q, Vauxhall’s approved used-car dealer franchise.

In summer 2012 the two companies were listed as alternative suppliers of retail finance for the flagship 0% finance scheme of Vauxhall, also part of GM and now using GM Financial as its captive. Dealers were generally positive about the use of either supplier, one saying it allowed the customer to be proposed twice for finance.