GM Financial Reviews
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About GM Financial
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GM Financial provides car loans and leases for General Motors’ automotive brands, including Chevrolet, Buick, Cadillac and GMC. It offers financing through dealerships in all 50 states and Washington, D.C. At the time of publishing, you can pre-qualify online and receive a no-interest loan if you have a high credit score.
- Apply online to pre-qualify
- Mobile app
- 0% financing for top credit scores
- Penalty for early payment
- No grace period for payments
Helpful Reviews
What is GM Financial?
GM Financial is an auto financing company wholly owned by General Motors. It was formerly known as AmeriCredit until GM acquired it in 2010. GM Financial offers loans and lease agreements for vehicles from:
- Chevrolet
- Buick
- Cadillac
- GMC
GM Financial allows you to apply online for pre-qualification. Whether you’re shopping for a new or used vehicle, GM Financial can help. Its products are available in all 50 states (and Washington D.C.), as well as in global locations like Canada and Asia.
GM Financial loan options
GM Financial offers financing for vehicles at certified dealerships. Options are available for both personal and business customers.
Loan options vary depending on the make and model of the vehicle you’re financing. The company offers terms between 36 and 72 months.
Customers with excellent credit scores can possibly qualify for 0% financing. Other perks, such as cash allowances and bonus earnings, are available to qualified customers.
If you don’t have stellar credit, there are still financing options available, including special financing options for those with lower credit scores.
GM Financial rates
GM Financial’s interest rates can be as high as 19%, but they vary based on a number of factors, including your:
- Vehicle choice
- Credit score
- Current income
- Loan amount
- Loan/lease terms
According to GM Financial’s monthly payment calculator, you can borrow between $7,500 and $125,000. This calculator also gives an idea of what to expect for a monthly payment. For example, a loan of $10,000 with a term of 36 months and a 5% APR results in a monthly payment of $510.
GM Financial does not offer a grace period for payments, so late payments are immediately subject to fees and interest. There is also a penalty for paying off your loan early.
GM Financial FAQ
Does GM finance bad credit?
Potentially. The GM Financial website doesn’t specify a minimum credit score. It does state that it looks beyond credit scores when making approval decisions, though.
Does GM Financial have an app?
Yes, GM Financial does have an app where you can access your account, make payments and find answers to your questions. The app is available for both Apple and Android devices.
Does GM Financial offer special financing?
GM Financial does offer special financing, but it doesn’t specify what’s available. To find out what you can qualify for, fill out an application to pre-qualify on the company’s website.
What credit score do you need for GM 0% financing?
GM 0% financing requires you to have an excellent credit score, likely over 800. Availability and term length for this offer vary by location and vehicle.
What bank does GM Financial use?
GM Financial offers its loans and leases in-house. Previously, the company worked with Ally and U.S. Bank, but it cut ties with those institutions in 2015.
Still have questions?
Is GM Financial good?
GM Financial is a good option if you’re looking to finance a vehicle from the General Motors family of brands. It offers loans and leases throughout the United States, and you can pre-qualify for financing online, saving you time at the dealership. That said, there are some downsides to GM Financial, like its prepayment penalties and lack of a grace period. It’s always a good idea to shop around before committing to a financing plan, but GM Financial should at least be on your list of options.
GM Financial Reviews
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Reviewed June 8, 2026
It's just unbelievable to me that there is no lead way hardly at all if a person has a financial crisis, is disabled and a senior. I bought my car through GM Financial while I had a job. They take a lot of interest monthly. Recently I lost my job, my food stamps were cut and I'm drowning in panic attacks and worry all the time. I could delay my payment for a charge of about $79 per month, up to 2 months. It all seems so ridiculous that a rich company like GM can't safeguard seniors and disabled. It feels like as long as they are making big money and thriving then no one else matters. Once I'm through with this, I will go out of my way to never use GM again. I can't return my car or trade it in for something shoddy so I can have lower payments. It's all I have for my morale and that will break my spirit even more.
Reviewed June 4, 2026
Customer service is totally incompetent and worthless. Simple problem is taking almost 2 months.
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Reviewed May 11, 2026
I did a lease assumption to take over lease of a 2024 Chevy Equinox EV. GM Financial essentially told me I cannot drive the vehicle for 2 months after approving the transfer. First, they don't have case-assigned representative. One rep gave me timeline that looked reasonable but each step took twice as long as I was told. Credit approval was told to be done in 7 days but it took over 2 weeks. Then Application approval after $625 fee payment was told to be done in 3-5 business days, but it took over a week & that too after I got really upset over the phone with them.
Title was going to take 30-60 days & the Welcome package is suppose to have documents that will help me get car registration done. But now, they are saying both Title & Registration will take 30-60 days & I cannot drive the car during this time. I was not told this when I explicitly asked them about getting the car registered because no one in their right mind will ever sign the Lease Assumption document if they cannot drive the car for 2 months AFTER application approval (which takes over 3 weeks in the first place). GM Financial lied to me in the beginning of the process & it is a way to Trap Customers with their unethical means of business.
Reviewed April 22, 2026
I'm finding it hard to understand how this company doesn't care about their customers. They tell you if you facing hardship they will work with you but I found out today that was a big lie. They could care less if you having trouble. I been paying my bill on time since 2021. But since I had to take a pay cut it's been a lot harder making payments when you got other bills to pay. I have to skip paying for my medicine so I go without taking my medicine let alone buying food. I explained this to them but they might as well just told me that they don't care. I can't afford my medicine or afford food. Just go hungry & do whatever you got to do but don't stop paying your car note. I'm so disappointed I chose GM company because they really don't care how long you been a loyal customer to them. They only care about you having them payments available in your bank account.
Reviewed April 17, 2026
I am a 100% service-connected disabled veteran and recently contacted GM Financial to request a short-term payment extension due to a temporary financial hardship. I made this request proactively, before falling significantly behind, in an effort to remain in good standing and avoid default. During my communication with GM Financial, I was informed that hardship extensions are limited to active-duty service members and that no comparable accommodation exists for fully disabled veterans. To be clear, I was not requesting forgiveness or preferential treatment—only a temporary extension or alternative hardship option that would allow me to stay compliant with my loan obligations.
• Any discretionary review process
• Any alternative hardship programs
• Any escalation path for unique circumstances
From a consumer standpoint, this raises serious concerns about how GM Financial applies hardship policies and whether those policies are reasonably structured to address real-world financial disruptions. There is a clear distinction between what is legally required under laws such as the Service Members' Civil Relief Act and what a company may choose to offer as part of its broader customer support practices. In this case, GM Financial appears to rely strictly on minimum legal requirements rather than demonstrating any meaningful flexibility for customers experiencing legitimate hardship. As someone actively trying to meet my obligations, I find the lack of accommodation and absence of a structured hardship pathway troubling. This approach increases the likelihood of unnecessary defaults rather than preventing them.
I would strongly encourage GM Financial to:• Reevaluate its hardship policies to include disabled veterans and other non–active-duty individuals facing documented hardship.
• Implement a clear escalation or review process for exceptional cases.
• Provide transparent communication around all available options before accounts reach critical status.
Consumers should be aware that in situations involving financial hardship, GM Financial may not offer flexibility beyond narrow policy guidelines, regardless of individual circumstances.
Reviewed Feb. 24, 2026
Currently on my third attempt to get my title for relocation, as the vehicle was purchased out of state. Process should be: Print the correct title, place it in the correct envelop and ship it to the correct destination. So far, the wrong location, and someone else's title to the titling office in Pennsylvania. The old joke was don't buy American-made because it's low quality. That part has improved, hopefully. Their staff on the other hand, I can confirm, has not.
Reviewed Jan. 14, 2026
Will never do business with GM Financial again. First off if you need to call customer service for any billing issue make sure you ask them to spell their names out, because I believe they are giving out fake ones. I called twice because I had reached the end of my lease arrangement and decided to be done with it and not get another gm vehicle because of their terrible reviews and insane prices and lack of quality. I returned the vehicle to the dealership, and was under the mileage agreement. I was allowed 39,000 miles with my lease, and returned it with only 33,000 miles on it.
When I called to inquire about a refund, they asked if I rolled into another gm loan, I said no, and they said then there are no funds due for return. Absolutely ridiculous. But if I had gone over the miles I would have to pay 25 cents per mile. Such garbage. Then 2 months later I receive a notice for payment for a disposition fee. WHAT? What the hell is a disposition fee? Im a nutshell its a restocking fee for them to put it back out on the lot for resale. Yea. No, not paying that.
I called gm financial twice, first time the lady was incredibly rude, when I asked for a supervisor she repeatedly told me there was no supervisor available and would not transfer me to one, I ended up hanging up. Called back again and their staff at this point are just trained mean little robots, this time the rep said the same thing and I hung up overwhelmingly upset and irritated. I will never go through gm financial again. HORRIBLE CUSTOMER SERVICE. If you do read all the fine print in your lease/loan agreements and be prepared to get screwed as a consumer. They are awful!
Reviewed Jan. 10, 2026
I have reached the end of my car loan agreement with GM Financial, during which I have maintained perfect automatic payments for five years. With only two payments remaining, I noticed that GM Financial did not withdraw the most recent installment. After five days had passed without the usual automatic debit, I contacted the company for clarification.
During the call, I was informed that GM Financial had stopped my auto-pay two payments before the end of the agreement and that I would now be required to make the payments manually. I advised them that I had not received any notice, correspondence, or telephone call informing me of this change. I then made the payment over the phone, and my final payment is due on February 3, 2026.
I questioned whether this practice allows late fees and additional interest to accrue without the customer's knowledge. I also requested documentation showing where GM Financial discloses that auto-pay will be stopped two months prior to the end of the loan term. I was told that no such written documentation exists. I then asked to speak with a supervisor for further clarification, but instead of being transferred to a supervisor, I was transferred to the collections department.
This situation is unacceptable and deeply concerning. Had I not taken the initiative to contact them, this issue would have gone unnoticed, potentially resulting in late fees, interest charges, and negative repercussions on my account. GM Financial does not extend grace periods on missed payments, and such a situation could have ultimately placed my vehicle at risk of repossession. This practice of GM Financial is appalling.
Reviewed Dec. 4, 2025
GM Financial Services is the worst credit provider I've ever had. Their customer service agents are rude, aggressive, and disrespectful. The company lacks compassion and only cares about money. I recently lost my car in a fire accident and reached out to them to report it and let them know that I had filed an insurance claim and needed a break from payments to deal with the insurance and gap claims and the loss. However, the customer service agent was rude and inconsiderate, insisting that he didn't care about my loss and that I needed to continue making payments. They continued to report adversely to the credit bureaus.
When my insurance company paid my claim, they did not credit my account nor notify me until I called three weeks later. The customer agent was rude, disregarded my concerns, and focused only on how I should make monthly payments, or they would continue reporting to the credit bureau and continue collection activities. I told them that I had a gap insurance claim pending and needed it resolved and the remaining balance paid, but they continue to report it adversely to the credit bureaus. Gap finally sent a check in my name on October 25, but as of December 3, they neither credited my account nor acknowledged receipt of the check until I called. They told me they did not receive the check. When my insurance company made a lump payment, it did not reduce my interest charges.
Reviewed Nov. 4, 2025
Horrible company. Zero customer service. Not have address, only PO BOX. I am dealing with the refund. I take the court. Every time I call they told me some different. Not honest company. When you call wait hours.
Reviewed Oct. 19, 2025
Absolute worst experience with customer service I’ve ever had in my life with GM Financial. I had the rudest most unhelpful representative anybody could ever ask for. She was rude, totally unacceptable! Every payment was made on time yet they were telling me why residual could change at any time. Yet I only have 7500 miles on a SUV I bought in December 2023. I would not do business with this company ever again! How can I buy out change from the original agreed residual? No tickets, no accidents, the best insurance! Ask for a supervisor if you’re smart, never deal with a representative who doesn’t care about you!
Reviewed Aug. 6, 2025
If I could give less than 1 star I would. I had a credit score of 820 and never been late on a bill in 30 years. Leased a new car for my daughter who is away at school. Send a check every month, 2 weeks before the bill is due. In February my daughter called and said car was being towed. GM tells me we are 2 months behind. I tell them, "We send checks both months, what are you talking about?" They tell me they went paperless and can't cash the checks. Yet they never informed me of this. They said they tried to send checks back but they were returned due to a bad address. They had the correct address.
So they make me sign up for automatic draft. I wire them $1297 immediately. They said they never received it. I wire another $1600 (why a different amount, who knows?). They receive it. Two days later they notify us, they received both wired amounts. They can't refund it though so they just keep it for future payments on top of the monthly payments. Nice racket. Get the car back and they claim it's no big deal. They aren't reporting it to the credit bureaus. Two months later, I go to buy a car. Sales guy - "How's your credit?" me - "Perfect!" 20 min later.... What happened with GM Financial? I almost blew a gasket. My credit score went from 820 to 647 from this ridiculous policy change. I disputed with all the credit bureaus and called GM many times. No one can make a decision.
No one has the ability or the authority to do anything. They blame other agents who misspoke. They blame the Post Office. They have recorded phone calls that they will not allow me to listen to. They now lie about having my checks. They say they never received checks and the rep misspoke. This isn't a company. It's an embarrassment to call themselves a company. I would never buy another GM product and certainly never do business with GM Financial ever again.
Reviewed July 18, 2025
I currently have an auto loan with GM Financial. My income has significantly decreased. I called GM Financial and asked can they lower my payoff amount, they said they cannot. I asked for a reduction for my monthly payment, they could not do that either. Don’t get a loan with them, because if you ever fall on hard times, they will NOT NEGOTIATE any new terms. Even if you receive a letter from the assistant vice president Lisa, stating they will work with you to find a mutually agreeable plan, they will NOT!
Reviewed June 20, 2025
Not only did this place not notify of hidden late fees, but they failed to communicate on the fact that there were late fees or even send notification causing a build up and having a car repossessed due to no communication of these fees. This is a horrible company and unless you a company thay hides things from you and fails to communicate. I would go elsewhere with your money.
Reviewed June 19, 2025
GM is the WORST I’ve dealt with. My car was totaled out and paid off. They are currently still trying to collect 2 months of car payment that’s was included in the pay off and it’s dinging my credit . That’s real scam likely to me? My car was totaled out in MARCH of this year 2025. HIGHLY DON'T RECOMMEND.
Reviewed June 19, 2025
I've made all of my payments on time for the last two years. I ran into some financial trouble because they raised my rent. I will go out of my way. Never to finance a car with General Motors again. They offer no real solution. Well, yeah, there's a solution, but you have to pay the interest all along and there are fees involved. They really need to have a program for people that run into snags. I mean, they are a multimillion dollar company, so why not. I was humming along pretty good until I ran into a problem. Now I'm very angry and they got hundreds, perhaps thousands of dollars in my payments used towards interest. While I am sobbing daily watching my friends go on long trips and thriving, I am at rock bottom. Wonder what the GM shareholders, presidents and executives are doing this weekend with all the money they get.
Reviewed May 16, 2025
Worst place I have ever went through for a loan. They are extremely rude and treat you like you're worthless. I had lost my job and was one day late and they repossessed my car. I have 5 kids and one needs a doctor on a regular. I explained I could come up with the money the following week. They didn't care and took the car and said, "Better luck next time." Don't recommend these people at all.
Reviewed May 15, 2025
The GM Financial by far the most untrustworthy and scammy lease company I’ve ever dealt with. After returning our leased vehicle with 15,000 fewer miles than allowed, we were shocked to receive a $1,008.99 charge. We’d think returning a car in better-than-expected condition would work in our favor, especially considering the vehicle now holds greater resale value for them with fewer miles. Instead, we were slapped with a charge for a tire supposedly measuring 2/32", a highly questionable and arbitrary claim.
When we reached out to discuss the issue, the representative we spoke with, Tera, showed no intention of resolving it reasonably. Rather than engaging in any meaningful dialogue or showing empathy, she simply issued a veiled threat to report the outstanding balance to credit bureaus, harming our credit score if the full balance wasn’t paid, despite the obvious unfairness of the charge.
In an effort to settle things amicably, we even offered to pay $808.99 if they would reduce the charge by just $200. That too was dismissed without consideration. It’s clear that GM Financial does not care about their customers, only about squeezing every dollar they can out of the customers. The behavior suggests that their employees are more motivated by commissions than customer service. This was a truly unpleasant and frustrating experience. I strongly urge anyone considering GM Financial to look elsewhere. There are far more professional and customer-oriented lease companies out there. Do yourself a favor and stay away from GM Financial.
Reviewed May 11, 2025
Recently moved from MI to IN. MI does not give us a title if there is a lien. GM Financial has a relocation request form that somehow confirms title for the Indiana BMV. GM ignores me. I have requests the required form 3x. Every 30 days I have to go in and reapply. I have been driving without a license plate and just a paper temp license. Makes me nervous that I will get stopped. And having to keep going back into the BMV takes time away from work. GM takes $ but ignores you.
Reviewed April 15, 2025
I leased a Tahoe in 2016. In 2019 the lease was closed and I leased another vehicle. That was closed in 2022. GM Financial in 2024 reported that I was late on 2 years of payments on the Tahoe in 2022-2024. The lease was closed in 2019 in good standing. I have reached out to them twice and all they said was yes there was an internal issue and they are working on it. No timeline and really no help. It is interfering with my credit line from my house. I would never do business with them again. It's their issue but I am paying the price.
GM Financial Company Information
- Company Name:
- GM Financial
- Formerly Named:
- AmeriCredit
- Website:
- www.gmfinancial.com