Strategic Chevrolet Sales Ideas to Maximize Your Purchase Experience

The most immediate benefit of selecting a pre-owned vehicle is the significant reduction in the initial purchase price compared to a brand-new model. When you shop our pre-owned inventory, you are effectively letting the first owner absorb the steepest part of the vehicle's depreciation curve. A new car typically loses about 20% of its value within the first 12 months of ownership. By choosing a model that is even just one or two years old, you secure a vehicle that still looks and drives like new but at a price point that reflects its current market value rather than its original sticker price. This lower entry price ripples through your entire ownership experience, often resulting in a smaller loan amount and more manageable monthly payments. Beyond the monthly note, the secondary financial perks are substantial. Insurance premiums are generally lower for used vehicles because the replacement cost is less than that of a new model. Furthermore, in many jurisdictions, registration fees and taxes are calculated based on the vehicle's current value or age, leading to year-over-year savings that keep more money in your pocket. For those who prefer the absolute latest technology and the peace of mind that comes with a full factory warranty, we also maintain an extensive selection of new Chevrolet vehicles. However, for the value-conscious buyer, the pre-owned market offers a way to avoid the "sticker shock" often associated with modern automotive pricing. If you want to see these savings in person, you can visit our showroom on Covington Pike to compare late-model options side-by-side. Our team is available for (901) 589-1730 to discuss which inventory currently offers the best balance of features and price for your specific budget. more Table of Contents Navigating Standard Used vs. Certified Pre-Owned Chevrolet Models Maximizing Your Buying Power with Higher Trims and Features Tailoring Your Pre-Owned Purchase to Local Mid-South Commutes Streamlining Your Trade-In and Financing Process Quick Answers Before You Visit Find Your Next Pre-Owned Chevrolet at Jim Keras Chevrolet Navigating Standard Used vs. Certified Pre-Owned Chevrolet Models Deciding between a standard used car and a Certified Pre-Owned (CPO) vehicle often comes down to how much factory-backed protection you desire. A standard used vehicle offers the greatest potential for savings but carries the risk that its best years may be behind it. In contrast, the General Motors CPO program is designed to bridge the gap between used and new. To qualify, a Chevrolet must pass a rigorous multi-point inspection and reconditioning process. These vehicles are backed by a 6-year/100,000-mile Powertrain Limited Warranty and a 12-month/12,000-mile Bumper-to-Bumper Limited Warranty, both of which are honored at any franchised dealer nationwide. Engine & Performance Feature Standard across all trims Engine 1.5L I4 Transmission Automatic Drivetrain 4WD The CPO designation also brings benefits that mirror the new-car experience. Owners receive 24-hour Roadside Assistance and courtesy transportation for 5 years or 60,000 miles. This manufacturer-backed support is a significant upgrade over private-party sales, where a vehicle is typically sold "as-is" with no recourse for the buyer if a mechanical issue arises shortly after purchase. Furthermore, CPO vehicles often qualify for preferential financing rates through the manufacturer's lending arm, which can sometimes offset the slightly higher purchase price compared to a non-certified used car. If you are looking for a specific body style, we frequently stock popular late-model examples across the lineup. For instance, you might find a Chevrolet Equinox with its efficient 1.5L I4 engine and 4WD capability, or a versatile Chevrolet Traverse that offers best-in-class max cargo volume of 98 cubic feet. Those needing more utility often look for a Chevrolet Silverado 1500, while families may prefer the spaciousness of a Chevrolet Tahoe or a Chevrolet Suburban. For smaller footprints, we often have the Chevrolet Trax or Chevrolet Trailblazer available. We also occasionally see performance icons like the Chevrolet Corvette or rugged tools like the Chevrolet Colorado and Chevrolet Blazer enter our pre-owned rotation. Maximizing Your Buying Power with Higher Trims and Features One of the most satisfying aspects of the pre-owned market is the ability to "buy more car" for your money. When shopping new, a strict budget might limit you to a base model with cloth seats and standard tech. However, that same budget in the pre-owned market can often move you into a premium trim level. For example, while a new 2026 Chevrolet Equinox LT has a starting MSRP of $33,886, a pre-owned version from a previous model year might allow you to step up to the ACTIV trim, which has a new MSRP of $38,622, or the RS trim at $38,580. Pricing MSRP and destination charges (source: MarketCheck VIN Decode (consensus)) Feature LT RS ACTIV Starting MSRP $33,886 $38,580 $38,622 Lowest starting MSRP: LT at $33,886 Stepping up into these higher trims often secures features that significantly improve the daily driving experience. You might gain a Panoramic Sunroof, leather-appointed seating, or advanced driver-assist technologies included in the Safety and Technology Package. In the pre-owned market, these optional packages and premium trims do not retain their full original cost, meaning the price gap between a base model and a loaded model narrows considerably. This allows you to enjoy luxury-tier amenities without the luxury-tier monthly payment. To see exactly how much buying power you have, we recommend that you get approved for financing before you begin your deep dive into specific models. Knowing your rate and term limits ahead of time makes it much easier to decide if you want to prioritize a newer model year with fewer features or an older, top-trim model that includes every available bell and whistle. Our finance team works with a variety of lenders to find competitive terms, ensuring your "step up" in trim remains within your financial comfort zone. Tailoring Your Pre-Owned Purchase to Local Mid-South Commutes The geography around Oakland often dictates what kind of vehicle makes the most sense for a pre-owned buyer. For residents who deal with the vibrant but occasionally congested urban flatlands of Memphis, a compact SUV or a sedan with high fuel efficiency is often the priority. A pre-owned vehicle that has already proven its reliability on local roads provides confidence during the daily hustle around the city or through its historic neighborhoods. In contrast, the terrain in Horn Lake and the surrounding Mississippi Delta region is generally flat to gently rolling, which is ideal for those who commute into Memphis for work. Because this area features a humid subtropical climate with warm summers, we often see buyers prioritizing vehicles with robust climate control systems and ventilated seating. The proximity to Interstate 55 means highway stability and fuel economy are top of mind. A pre-owned truck or a mid-size SUV is a common choice here, providing the durability needed for both suburban life and the occasional haul of gear to local spots like Horn Lake City Park. When we walk families through our inventory, we often suggest looking for specific features that match these local patterns. For instance, if your commute involves long stretches of Highway 51, a vehicle with adaptive cruise control can significantly reduce driver fatigue. If you frequently visit the parks or handle youth sports gear, we point out the utility of an AutoSense Power Liftgate or a 60/40 split third-row bench. Matching the vehicle's capabilities to your actual lifestyle ensures that your pre-owned purchase remains a practical asset for years to come. Streamlining Your Trade-In and Financing Process Moving from your current vehicle into a pre-owned Chevrolet is a two-part process that we aim to make as transparent as possible. The first step involves getting a clear picture of what your current car is worth. Using an online trade value estimation tool allows you to establish a baseline for your equity before you ever set foot on the lot. This transparency is crucial because your trade-in acts as a down payment, directly reducing the amount you need to finance and potentially lowering your interest rate by improving your loan-to-value ratio. When it comes to financing a used vehicle, the "file" often matters as much as the credit score itself. While interest rates for used cars can be higher than those for new cars, having your documentation organized can help secure the best possible terms. We recommend arriving with current pay stubs, proof of residence, and a recent insurance quote. This preparation allows our underwriters to move quickly. I tell buyers to gather these items early, as a complete application package often leads to a smoother approval process and a faster path to the driver's seat. It is also worth noting that Tennessee does not have a "cooling-off" period for used car purchases, meaning all sales are final once the contract is signed. This makes the initial inspection and the financing transparency even more important. We encourage every buyer to review the vehicle history report and the final terms of the loan carefully. By combining an accurate trade-in value with a well-prepared credit profile, you can navigate the purchase with confidence, knowing exactly how the numbers fit into your monthly budget. Quick Answers Before You Visit Q: What is the main difference between a CPO and a standard used Chevrolet? A standard used car is sold based on its current condition with any remaining factory warranty, whereas a Certified Pre-Owned (CPO) vehicle must pass a 172-point inspection and includes an extended 6-year/100,000-mile Powertrain Limited Warranty. CPO models are typically newer and have lower mileage than the average used car on the lot. Q: Does a pre-owned vehicle still come with roadside assistance? If you purchase a Chevrolet Certified Pre-Owned vehicle, it includes 24-hour Roadside Assistance for 5 years or 60,000 miles from the original in-service date. For standard used vehicles, you can often add this protection through an extended service contract at the time of purchase. You can also reach Chevrolet Roadside Assistance: 1-800-243-8872 for manufacturer-backed support on covered vehicles. Q: Can I get a new-car interest rate on a pre-owned vehicle? While used car rates are generally higher than new car rates, Chevrolet CPO vehicles often qualify for special incentivized rates that are much lower than standard used car financing. These rates are backed by the manufacturer and are designed to make late-model pre-owned vehicles more affordable for qualified buyers. Q: How can I verify the history of a pre-owned car before buying? We provide a free vehicle history report for most of our pre-owned inventory, which details previous ownership, accident history, and service records. This report is a vital tool for screening out vehicles with "lemon" titles or significant past damage, ensuring you buy with full knowledge of the car's past. Q: Is there a way to test the health of an automatic transmission during a test drive? During your test drive, pay close attention to how the vehicle shifts between gears; it should be smooth and immediate without any "slipping" or hard jolts. We encourage buyers to test the vehicle in both stop-and-go traffic and at highway speeds to ensure the transmission performs correctly across all operating ranges. Find Your Next Pre-Owned Chevrolet at Jim Keras Chevrolet Choosing a pre-owned vehicle is a strategic way to get the features you want while protecting your bottom line. Whether you are looking for the added security of a Certified Pre-Owned model or the maximum savings of a standard used vehicle, our team is dedicated to helping you find the right fit. We invite you to explore our diverse selection of cars, trucks, and SUVs to see how much more you can get for your investment. When you are ready to take the next step, our showroom is conveniently located at 2000 Covington Pike, Memphis, TN 38128. You can also give our team a quick call at (901) 589-1730 to confirm availability or to ask any specific questions about a model you've seen online. We look forward to helping you navigate the perks of pre-owned ownership and getting you behind the wheel of a vehicle you'll love for years to come. Keep Your Vehicle Running Strong Keep your vehicle performing at its best with our service team: Schedule your service visit Order Chevrolet parts online © 2026 Jim Keras Chevrolet. All rights reserved.

At Jim Keras Chevrolet located at 2000 Covington Pike, Memphis, TN 38128, we understand that financing a vehicle can be one of the most complex parts of the car buying process. Our Finance Manager, with years of expertise helping customers throughout Memphis, Bartlett, and Germantown, joins us to demystify the best strategies for financing a car. Whether you're exploring options for a new Chevrolet Silverado 1500 or a pre-owned Equinox, this comprehensive Q&A will equip you with the knowledge to make confident decisions. If you’re ready to start your journey, feel free to contact us directly at (901) 589-1730 to speak with one of our finance specialists. more What is the best rule to follow when financing a car, especially if I want to keep my budget on track? A: That’s a fantastic place to start, especially for buyers in the Memphis area who want to ensure their car purchase is financially sound. One of the most widely recommended guidelines is the 20/3/8 rule. This rule suggests putting down at least 20% of the vehicle’s purchase price as a down payment, aiming to pay off the loan within three years or less, and keeping your monthly car payment below 8% of your gross monthly income. The rationale behind this rule is to protect you from overextending financially. For example, if you're looking at a Chevrolet Traverse in nearby Bartlett or Olive Branch priced around $35,000, a 20% down payment would reduce your loan amount by $7,000, which meaningfully lowers your monthly payments and interest costs over the life of the loan. Paying off the loan in three years reduces the total interest paid, keeping your finances healthier in the long term. Finally, ensuring your car payment is less than 8% of your income helps you maintain a balanced budget without sacrificing other essential expenses. Financing within these parameters also helps avoid the common pitfall of negative equity, where the loan balance exceeds the vehicle’s value. This is particularly important in markets like Germantown and Collierville, where resale value preservation can influence your future trade-in or sale options. If you want to explore your financing options or find out the value of your current vehicle, our Online trade value estimation tool is a great place to start. And when it’s time for routine maintenance to keep your Chevrolet running smoothly, don't hesitate to Schedule your service visit with us. I've heard about the "four square trick" used by some dealerships. Can you explain what it is and how buyers can avoid falling for it? A: Certainly, the "four square trick" is a classic sales tactic that some dealerships use to complicate the negotiation process. It involves a worksheet divided into four sections: the price of the vehicle, the trade-in value, the down payment, and the monthly payment. Salespeople focus the buyer’s attention on agreeing to a monthly payment without fully disclosing how changes in the other areas—like stretching loan terms or inflating prices—affect the total cost. This tactic can lead buyers from Memphis, Southaven, or Lakeland into agreeing to deals that seem affordable monthly but actually include longer loan terms or higher interest rates, resulting in paying thousands more over time. For example, a dealership might lower the monthly payment by extending the loan from three years to six, which sounds manageable but increases interest costs substantially. To counter this, it's crucial to insist on negotiating the out-the-door price first, which includes taxes, fees, and any dealer-installed accessories. At Jim Keras Chevrolet, transparency is a priority. We encourage customers to request a full breakdown of the price, trade-in value, down payment, interest rates, and loan terms before discussing monthly payments. Using your phone’s loan calculator during negotiations can also help verify monthly payment accuracy. If a dealer insists on using the four square method without clear explanations, it's perfectly acceptable to walk away. You deserve a straightforward, honest negotiation. While browsing options, you can View all new Chevrolet vehicles or explore our pre owned vehicles inventory online from the comfort of your home in neighborhoods like Oakland or Cotton Row Historic District. When considering a down payment on a $30,000 vehicle, what would be a smart amount to put down, and why? A: For a vehicle priced around $30,000, such as a Chevrolet Equinox popular in areas like Millington and West Memphis, a down payment of about 20%—which would be $6,000—is often recommended. This amount helps reduce the loan principal, which in turn lowers monthly payments and decreases the total interest paid over the life of the loan. Making a sizable down payment also minimizes the risk of being “upside-down” on your loan, where you owe more than the vehicle’s worth. Vehicles depreciate quickly, especially in the first few years, so that initial equity cushion protects your finances. For example, if you put down less than 10%, your loan balance might exceed your car's market value shortly after purchase, which can be problematic if you need to trade in or sell your vehicle. However, it's important to balance this with your personal financial situation. If saving a full 20% is challenging, even a smaller down payment still helps, and options exist to accommodate buyers. To assess your current vehicle's worth and potentially apply that as part of your down payment, use our Online trade value estimation. This tool is especially helpful for buyers in Olive Branch or Horn Lake considering trade-ins along with their new purchase. Do dealerships like Jim Keras Chevrolet prefer that customers finance through them, or is it better to get financing elsewhere? A: This is a common question among buyers from Collierville, Bartlett, and surrounding areas. Dealerships often recommend financing through their in-house programs or affiliated lenders because it can be more convenient and sometimes offers special incentives or promotional rates, such as manufacturer-backed 0% APR financing on select Chevrolet models like the Trailblazer or Silverado 1500. However, dealerships also earn additional profit when they finance loans internally by marking up interest rates or adding fees. For example, if a lender approves you for a 3% rate, the dealership might offer you a 4% rate, keeping the difference as extra profit. This is why it’s essential to compare rates and terms from multiple sources before committing. Getting pre-approved through a bank or credit union can give you more negotiating power and clarity. Many customers find that credit unions, which often serve areas like Germantown and Lakeland, provide competitive rates with fewer fees. Even if you choose to finance through Jim Keras Chevrolet, you can often refinance later with your preferred lender. We encourage buyers to come prepared with pre-approval offers to our dealership. Our finance team will work with you to find the best solution tailored to your needs. To explore vehicle options that fit your financial goals, feel free to View all new Chevrolet vehicles or check out specific models like the Chevrolet Tahoe or Silverado 1500. Also, if you ever need replacement parts or accessories to maintain your vehicle, visit our Order Chevrolet parts online page. What steps should I take to ensure a smooth and transparent financing process at Jim Keras Chevrolet? A: Transparency and preparation are key to a positive financing experience, especially for buyers in Memphis, Southaven, and Horn Lake. First, determine your budget using the 20/3/8 guideline we discussed earlier. Then, get pre-approved through your bank or credit union to understand the interest rates and loan terms you qualify for. This pre-approval can be a powerful negotiation tool when you visit our dealership. When you meet with our finance team, be upfront about your budget, trade-in options, and any preferences for loan length or monthly payments. We’ll provide a clear breakdown of all costs, including taxes, fees, and any dealer-installed features. Avoid focusing solely on monthly payments without understanding the total cost of the loan. We encourage you to ask questions and use online loan calculators to verify payment plans. Finally, once your vehicle is purchased, routine maintenance is essential to preserving your investment. Schedule your maintenance appointments easily through our online service scheduler. Our expert technicians ensure your Chevrolet stays in top condition, whether you’re driving around Memphis, Germantown, or Bartlett. Wrapping Up: Making Smart Financing Decisions with Jim Keras Chevrolet Financing a car can seem overwhelming, but with the right guidelines and trusted advice from the Jim Keras Chevrolet finance experts, buyers in Memphis and nearby communities can make confident, informed decisions. Remember to follow the 20/3/8 rule, avoid common dealership tactics like the four square trick, and carefully consider your down payment and financing options. We’re here to support you every step of the way—from helping you evaluate your current vehicle’s worth with our trade-in tool to assisting you in choosing from our extensive inventory of new and used Chevrolets like the Equinox or Trax. Visit us at 2000 Covington Pike, Memphis, TN 38128 or call (901) 589-1730 today to connect with our friendly finance team and start driving your dream Chevrolet with confidence. © 2025 Jim Keras Chevrolet

When considering financing options for your next Chevrolet purchase, especially here in Memphis or nearby areas like Bartlett and Germantown, understanding the difference between APR (Annual Percentage Rate) and interest rate is crucial. These two financial terms may seem interchangeable, but they represent very different aspects of your loan costs. Making an informed choice between these will impact your monthly payments and the total amount you pay over the life of your loan. Whether you're eyeing a new Chevrolet Silverado 1500 or a Chevrolet Tahoe, knowing which rate to prioritize helps you secure the best financing terms for your budget. more For personalized assistance or questions about financing your new Chevrolet, call us directly at (901) 589-1730 or visit us at our dealership located at 2000 Covington Pike, Memphis, TN 38128. You can also explore our inventory to find your perfect Chevrolet vehicle by browsing all new Chevrolet vehicles or explore specific models like the Chevrolet Silverado 1500 or Chevrolet Tahoe in stock. Table of Contents APR vs. Interest Rate: Understanding the Key Differences Learn about the fundamental distinctions between APR and interest rate and why APR offers a more comprehensive view of your loan costs. What Is a Good APR and Interest Rate? Explore benchmarks for good APRs and interest rates, and how your credit profile impacts the rates you can receive. Can You Negotiate a Lower APR? Discover practical strategies to negotiate better rates and fees with lenders, including tips relevant to Chevrolet financing options. Why Does a Loan Have Both an APR and Interest Rate? Understand the reasons lenders present both figures and how that information helps you make smarter borrowing decisions. Making the Best Choice for Your Chevrolet Financing Practical advice for Memphis-area buyers on selecting the right loan terms, managing payments, and maximizing value. APR vs. Interest Rate: Understanding the Key Differences When you’re shopping for a loan to finance your next Chevrolet vehicle, whether in Memphis, Southaven, or Olive Branch, it’s important to differentiate between the interest rate and the Annual Percentage Rate (APR). The interest rate is the percentage the lender charges for borrowing the loan principal. It is the basic cost of the loan expressed annually and typically does not include any additional fees. For example, a fixed interest rate remains constant throughout the life of the loan, making it easier to budget your monthly payments. On the other hand, variable interest rates fluctuate with market conditions, which could affect your monthly payments unpredictably. The APR, however, reflects the total annual cost of the loan, including the interest rate plus all other fees such as loan origination fees, closing costs, and sometimes prepaid finance charges. This means the APR provides a broader, more accurate picture of what you’ll pay each year for the loan. For instance, if you’re comparing loans to purchase a Chevrolet Equinox in Lakeland or a Chevrolet Blazer in Collierville, the APR helps you see which loan is truly less expensive over time, even if the interest rates look similar. Consider this scenario: Two loans have the same 12.99% interest rate, but one charges a 5% origination fee. The APR on the latter loan will be higher, indicating greater total costs. This comprehensive assessment is essential for making smart financial decisions. Understanding both figures is necessary because lenders are required by law, through the Truth in Lending Act, to disclose both the interest rate and APR. This transparency helps buyers across the Memphis metropolitan area, including neighborhoods like Oakland and Cotton Row Historic District, compare loan offers effectively. What Is a Good APR and Interest Rate? Determining what constitutes a good APR or interest rate depends on several factors including your credit score, loan type, market trends, and the specific vehicle you want to finance. In the Memphis area—whether you’re in Millington or West Memphis—knowing what rates to expect can empower you to negotiate better deals. Generally, a good interest rate is below the market average. For example, if the average interest rate for personal loans is around 16.99%, a rate of 12.99% is considered favorable. However, special Chevrolet financing promotions or government-backed loan programs can sometimes offer even more competitive rates. A good APR is similarly defined but includes fees, so a low APR means you’re paying less overall. Since APR includes loan costs that can add up over time, comparing APRs is the best way to understand the total cost of your Chevrolet loan. For example, when shopping for a Chevrolet Traverse in Germantown, a loan with a slightly higher interest rate but significantly lower fees might have a better APR, saving you money in the long run. Creditworthiness is a significant determinant. Strong credit scores generally qualify buyers for lower interest rates and APRs, while those with fair or poor credit might face higher rates. Improving credit health by timely payments, reducing debt, and limiting new credit applications can lead to better financing offers. You can use online tools, such as our Online trade value estimation, to assess your current vehicle's worth and gauge how much financing you may need. Combined with a sound understanding of APR and interest rates, this allows you to plan your next Chevrolet purchase wisely. Can You Negotiate a Lower APR? Negotiating a lower APR is often possible, especially when you approach your lender with the right preparation and knowledge. At Jim Keras Chevrolet, we encourage customers from areas like Horn Lake and Lakeland to be proactive in their loan discussions. The key to successful negotiation includes: Demonstrating loyalty and payment history: If you have consistently made on-time payments, especially on existing Chevrolet financing or credit cards, mention this to your lender. Reliability often motivates lenders to offer better rates. Leveraging competing offers: Research rates from other lenders and dealers. Sharing these offers can encourage your lender to match or improve their terms to keep your business. Requesting temporary interest rate reductions: If a permanent lower rate isn’t feasible, ask for a temporary APR reduction. This can provide relief during financial hardships or while you’re paying down other debts. Improving your credit score: Taking steps to boost your creditworthiness makes you a more attractive borrower and can lead to better APR offers. For buyers interested in trade-ins or service, don’t forget you can also Schedule your service visit or Order Chevrolet parts online to maintain your vehicle’s condition and resale value. Negotiation is a process; if your initial request is denied, revisit the conversation in a few months. Persistence, combined with an improving credit profile, often pays off. Why Does a Loan Have Both an APR and Interest Rate? Loans have both an interest rate and an APR because each serves a distinct purpose in representing the cost of borrowing. The interest rate shows the basic cost as an annual percentage on the principal amount borrowed. It directly influences your monthly payments and is a critical factor in budgeting. However, the interest rate alone doesn’t tell the complete story. The APR accounts for the interest rate plus additional costs such as loan origination fees, closing costs, and other lender charges. These fees can vary widely depending on the loan type, lender policies, and your financial profile. For Chevrolet buyers in Southaven or Collierville, understanding this distinction is key. For example, a loan with a low interest rate but high origination fees might have a higher APR, meaning you pay more overall despite the attractive rate. Federal regulations require lenders to disclose both the interest rate and APR, ensuring transparency. These disclosures help buyers compare loans apples-to-apples and avoid hidden charges that could inflate costs. Making the Best Choice for Your Chevrolet Financing When financing your Chevrolet, whether a Chevrolet Trailblazer in Memphis or a Chevrolet Suburban in Germantown, focus on the APR as your primary guide to the loan’s total cost. Here are expert tips to help you choose the best loan: Prioritize the lowest APR: This ensures you’re accounting for all fees and charges, not just the advertised interest rate. Review loan terms carefully: Understand the loan duration, payment schedules, and any penalties for early repayment. Compare multiple lenders: Don’t hesitate to get quotes from banks, credit unions, and dealership financing like Jim Keras Chevrolet to find the most favorable terms. Consider your total budget: Ensure your monthly payments fit comfortably with your income and other expenses. Explore Chevrolet’s special financing offers: Sometimes manufacturer incentives can lower your APR or provide other benefits. If you’re ready to explore your options, browse our inventory: View all pre owned vehicles or View all new Chevrolet Trax in stock. Understanding your trade-in value can also give you an advantage in negotiations. Financing a vehicle is a major financial decision. At Jim Keras Chevrolet, located conveniently at 2000 Covington Pike, Memphis, TN 38128, we’re here to help you navigate these terms and find the right Chevrolet vehicle and financing plan tailored to your needs. © 2025 Jim Keras Chevrolet