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How to finance a Cadillac

With prices topping $75K, compare your car loan options before hitting the dealership.

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).

Here are a few leasing and financing deals available as of October 2019:

  • Financing through GM Financial. Well-qualified buyers might be eligible for up to $8,000 cash back and an APR as low as 0.9% on select Cadillac models.
  • Leasing through GM Financial. Well-qualified lessees might be eligible to lease the 2019 Cadillac XT5 for $399 per month for 36 months or the 2019 Cadillac XTS for $659 per month for 39 months.

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.

Read our review of GM Financial

Compare car loans to finance a Cadillac

Name Product Minimum credit score APR Loan term Requirements
No minimum credit score
3.9% to 27.9%
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates. Car Loans
Varies by network lender
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
CarsDirect auto loans
No minimum credit score
Varies by network lender
Varies by network lender
Must provide proof of income, proof of residence, and proof of insurance.
Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
Auto Credit Express Car Loans
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.
Monevo Auto Loans
3.99% to 35.99%
3 months to 12 years
Credit score of 500+, legal US resident and ages 18+.
Quickly compare multiple online lenders with competitive rates depending on your credit.
Good to excellent credit
Starting at 0.99%
Varies by lender
18+ years old, good to excellent credit, US citizen
Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out. Car Loans
Starting at 1.89%
550+ credit score, no open bankruptcies, $24,000+ annual income, US citizen or permanent resident, 18+ years old
Get up to four offers in minutes through one simple application. Multiple financing types available including new cars, used cars and refinancing.

Compare up to 4 providers

Does Cadillac offer special discounts or programs?

If you’re a first responder, teacher or military member, you may be eligible for a discount on your next Cadillac. Specific details — and eligibility requirements — vary, so check with your local Cadillac dealership for details.

What will a new Cadillac cost me?

You could pay anywhere from $35,000 to over $75,000 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


2019 Cadillac XTS

  • Starting MSRP: $46,895
  • Build: Sedan
  • City/highway MPG: 19/28

2020 Cadillac CT6

  • Starting MSRP: $58,995
  • Build: Sedan
  • City/highway MPG: 18/27


2020 Cadillac XT4

  • Starting MSRP: $35,695
  • Build: SUV
  • City/highway MPG: 24/30

2020 Cadillac XT5

  • Starting MSRP: $44,095
  • Build: SUV
  • City/highway MPG:Not yet available

2020 Cadillac XT6

  • Starting MSRP: $57,095
  • Build: SUV
  • City/highway MPG:18/25

2019 Cadillac Escalade

  • Starting MSRP: $75,195
  • Build: SUV
  • City/highway MPG:14/23

Car insurance costs that come with driving a Cadillac

Does a new Cadillac come with a warranty?

Each new Cadillac comes with a standard four-year, 50,000-mile bumper-to-bumper limited warranty and six-year, 70,000-mile powertrain limited warranty. These warranties give you access to roadside assistance, along with other benefits. Want a longer bumper-to-bumper warranty? You have the option to extend it to six years or 70,000 miles with the Cadillac Extended Limited Warranty backed by General Motors.

The Cadillac Platinum Protection Plan is an additional program you can sign up for. It has a $0 deductible and covers more than just the traditional warranty. But like all service plans, weigh the costs of adding it to your financing against the potential savings.

Bottom line

Cadillac is one of the oldest luxury car brands around. But with prices topping $75,000, 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.

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