GM Financial auto loans review

Pros and cons

GM Financial special discounts

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

GM Financial reviews and complaints

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.

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Name	Product	Filter Values	Minimum credit score	APR	Loan term	Requirements
LightStream Auto Loans			Good to excellent credit	Competitive	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.	Go to site More Info	Compare	loading Fetching your data...
CarGurus			Varies	Varies depending on the lender	3 to 6 years	Varies depending on the lender	Go to site	Compare	loading Fetching your data...
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.	Go to site More Info	Compare	loading Fetching your data...
Carvana			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.	Go to site More Info	Compare	loading Fetching your data...

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Have you considered LightStream Auto Loans?

Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.

• Same-day funding
• Up to 100% financing
• No restrictions to age or mileage
• Secured and unsecured options
• Competitive rates

Learn more

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