How to finance a Cadillac

With prices topping $80K, compare your car loan options before hitting the dealership.


Fact checked
Cadillac XT5

When you’re looking to get behind the wheel of a Cadillac, you have a few financing options to choose from. While getting a car loan from a bank or online lender usually comes with the most competitive rates, it’s typically faster to finance directly through an authorized dealership.

How can I finance a Cadillac?

You can finance a Cadillac with a traditional car loan from a bank, credit union or online lender. You could also take out a personal loan — either secured or unsecured — if you don’t want to use the vehicle you’re purchasing as collateral.

But if you’re looking for the fastest option available, you might want to look into financing directly through an authorized Cadillac dealership. While this convenience tends to come at a higher cost, it can help you qualify for special lease and financing deals. It offers financing through its parent company, General Motors (GM).

  • Financing through GM Financial. GM Financial has offered competitive deals like 0% financing for 36 months on a Denali Pro Grade 2020 Acadia plus $4,324 of employee discount price adjustments with no payments for 180 days.
  • Leasing through GM Financial. Many 2019 and 2020 GMC models have lease deals with low monthly payments. These change frequently, however, so check often to see what lease terms you might be eligible for.

These deals may vary by location, so contact your local Cadillac dealership to explore the options available where you live. As with all types of financing, the exact rates and terms you qualify for will depend on your personal financial situation.

Compare car loans to finance a Cadillac

Name Product Min. Loan Amount Interest Rate Fees Loan Term Min. Credit Score
Car Loans Canada
3.99% to 29.90%
Varies by lender, loan type and province
12-84 months
Search thousands of vehicles online, including $0 down options, from dealers across the country and get matched with affordable financing options. Auto loans are also available to those with bad credit, consumer proposals and bankruptcies to help rebuild credit.
CarsFast Car Loans
4.90% to 29.90%
Varies by lender, loan type and province
12 months - 8 years
Browse thousands of vehicles from dealers across Canada and get matched with financing that meets your needs. Apply online to purchase a new or used vehicle and get the vehicle delivered to your door.
LoanConnect Car Loans
1.90% to 46.96%
Varies by lender, loan type and province
6-60 months
Get access to 25+ lenders through LoanConnect's brokerage. Receive pre-approval in as fast as 60 seconds and get your funds in as little as 24 hours.
Carloans411 Car Loans
1.90% to 19.99%
Up to 84 months
Get connected with suitable lenders through CarLoans411. Finance your next car, van or truck with loans available in amounts from $500 to $35,000. Check eligibility for this loan through LoanConnect.
Auto Arriba Car Loans
8.99% to 29.50%
Contract fee of $499.00
6-84 months
Auto Arriba offers car loans starting at $3,500 up to $100,000, with as little as a 30 minute loan turnaround time. On a limited number of approved loans, Auto Arriba is currently offering a rebate of the amount of your first scheduled payment 30 days after it has been processed up to a maximum of $500.
Fairstone Secured Personal Loan
19.99% to 23.99%
Varies by province
3-10 years
Fairstone offers secured personal loans up to $35,000.

Compare up to 4 providers

Does Cadillac offer special discounts or programs?

Yes, Cadillac offers a variety of discount programs through its parent company, GM. These can be combined with current offers for extra savings. Discounts include:

  • GM Scotiabank Visa Cards Rewards Program. This program allows you to earn rewards points with everyday purchases on your GM Scotiabank Visa Card, which you can redeem toward the purchase of a GMC vehicle.
  • GM Preferred Pricing Program. Any eligible GM employee can purchase a new GMC, Cadillac or Buick at a discounted GM Employee Pricing.
  • $1,000 GM Mobility Vehicle Adaptation Program. This program offers up to $1,000 in reimbursements to adapt an eligible GM vehicle with select mobility equipment.
  • $500 Canadian Forces Appreciation Program. Eligible military personnel — including active-duty members, reservists and veterans (as well as spouses) — may be eligible for a discount of up to $500 off the manufacturer suggested retail price (MSRP) off a new Chevrolet, Cadillac, Buick or GMC vehicle.
  • GM Family First Discount Pricing Program. This program allows employees and family members of GM to purchase or lease a new GMC, Chevrolet, Buick or Cadillac vehicle at a discounted price below the MSRP.
  • $750 Student Bonus program. Current students and those who have graduated within the past 4 years may also qualify for a discount of up to $750 on the purchase of a GMC, Chevrolet, Buick or Cadillac vehicle.

What will a new Cadillac cost me?

You could pay anywhere from $35,000 to over $80,000 for a new Cadillac — exact prices will vary depending on the features you want to include and the trim level you select.

Choose a type of vehicle


Cadillac CT4

2020 Cadillac CT4

  • Starting MSRP: $35,798 (CT4-V $45,398)
  • Build: Sedan
  • City/highway MPG: 23/34 (CT4-V 20/28)
Cadillac CT5

2020 Cadillac CT5

  • Starting MSRP: $39,798 (CT5-V $49,798)
  • Build: Sedan
  • City/highway MPG: 23/32 (CT5-V 18/26)
Cadillac CT6

2020 Cadillac CT6

  • Starting MSRP: $61,998 (CT6-V $98,898)
  • Build: Sedan
  • City/highway MPG: 18/27 (CT6-V Unknown)


Cadillac XT4

2020 Cadillac XT4

  • Starting MSRP: $35,398
  • Build: SUV
  • City/highway MPG: 24/30
Cadillac XT5

2020 Cadillac XT5

  • Starting MSRP: $44,098
  • Build: SUV
  • City/highway MPG: 21/28
Cadillac XT6

2020 Cadillac XT6

  • Starting MSRP: $61,098
  • Build: SUV
  • City/highway MPG: 18/25
Cadillac Escalade

2020 Cadillac Escalade

  • Starting MSRP: $87,698
  • Build: SUV
  • City/highway MPG: 14/23

Does a new Cadillac come with a warranty?

Each new Cadillac comes with a standard 4-year, 80,000-km bumper-to-bumper (including tires) limited warranty and 6-year, 110,000-km powertrain limited warranty. Warranty coverage also includes 24/7 roadside assistance and courtesy transportation for maintenance visits for the earlier of 6 years or 110,000 km.

Cadillac owners get free vehicle maintenance checkups through GM’s No-Charge Scheduled Maintenance Program, which runs along with the 4-year/80,000-kilometre Base Warranty Coverage.

Bottom line

Cadillac is one of the oldest luxury car brands around. But with prices topping $80,000, you fortunately have a few financing options to help you foot the bill. You can start comparing lenders before hitting the dealership with our guide to car loans.

Frequently asked questions

Ask an Expert

You must be logged in to post a comment.

Go to site