In this guide

  • Review
  • Details
    • Product details
    • Contact info
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure

GM Financial auto loans review

  • Avatar
GM Financial


Discounts for loyal customers, recent college grads, military members and more.


  • Financing for Buick, Cadillac, Chevrolet and GMC models
  • Mobile app to easily view account and make payments
  • Multiple discount programs available


  • Multiple end-of-lease fees
  • Rates and terms aren’t listed on its website

In this guide

  • Review
  • Details
    • Product details
    • Contact info
  • Your reviews
  • Ask a question


Product details

Product Name GM Financial
Financing types Purchase,Leasing
Eligible car types New,Certified Preowned
Cosigners allowed Yes

Contact info

Phone number 800-284-2271
Customer service hours 7 a.m. – 7 p.m. CT, Monday through Friday
9 a.m. – 1 p.m. CT, Saturdays
Twitter @gmfinancial
Facebook @GMFinancial

GM Financial special discounts

  • Military: Yes
  • College grad: Yes
  • Repeat customers: Yes
  • First responders: Yes
  • Accessibility equipment: Yes

GM Financial reviews and complaints

BBB accredited No
BBB rating A
BBB customer reviews 1.1 out of 5 stars, based on 123 customer reviews
BBB customer complaints 1,094 customer complaints
Trustpilot Score 2.9 out of 5 stars, based on 5 customer reviews
App Store Score 3.3 out of 5 stars, based on 733 customer reviews
Google Play Score 3.8 out of 5 stars, based on 2,527 customer reviews
Customer reviews verified as of 15 October 2020

While GM Financial has an A rating from the Better Business Bureau (BBB), its customers settle it with a review score of 1.1 out of 5. There are also over 1,000 complaints from the past three years, the majority of witch have to do with billing and collections. It doesn’t have a Trustpilot page, and there’s not much in the way of customer reviews for the finance program specifically outside of its BBB profile.

How to apply

GM Financial has one of the quickest applications, and it covers four manufacturers owned by the GM group.

Follow these steps to get started online:

  1. Visit the GM Financial website and click Apply for credit.
  2. Select the vehicle you want to purchase or lease.
  3. Enter basic information about yourself, your residence and your employment.
  4. Add a coapplicant, if necessary.
  5. Select a dealership, review your information and click Submit my credit application.

How do repayments work?

You can create an account on GM Financial’s website or app to sign up for automatic repayments or make manual repayments each month through your bank account or debit card. GM Financial also allows you to submit a payment by mail, by phone and through a third party like MoneyGram or Western Union.

There’s no information about late fees or missed payments, so check your loan contract for specific details about your account.

Compare more car loan options

1 - 4 of 4
Name Product Filter Values Minimum credit score APR Loan term Requirements
LightStream Auto Loans
Good to excellent credit
2 to 7 years
Must have a good to excellent credit profile, be a US citizen or a permanent resident with a valid green card, have a valid Social Security number, credit card verification requested upon loan approval and have a valid US address.
Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
Varies depending on the lender
3 to 6 years
Varies depending on the lender
CarsDirect auto loans
No minimum credit score
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.
No minimum credit score
3.9% to 27.9%
1 to 6 years
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates.

Your reviews

Not enough reviews Write a review

Ask a question

Ask a question

Kellye Finder


Hi there, looking for more information? Ask us a question.

Error label

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Go to site