Access exclusive rates and incentives specifically for GM cars, trucks, and SUVs.
Enjoy the convenience of applying for financing right where you shop for your vehicle.
A range of loan and lease solutions designed to fit various budgets and lifestyles.
Enhance your ownership experience with a suite of available vehicle protection plans.
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Financing Your New GM Vehicle Purchase+
When U.S. customers finance a new Chevrolet, Buick, GMC, or Cadillac through GM Financial, they gain access to a process designed for simplicity and value. As GM’s own finance provider, we frequently offer special Annual Percentage Rates (APRs) and customer incentives that may not be available through other lenders.
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The Right Lease by GM Financial+
For U.S. drivers who prefer to drive a new vehicle every few years with potentially lower monthly payments, “The Right Lease by GM Financial” is an ideal choice. Leasing often provides the flexibility of shorter terms that align with the vehicle’s factory warranty period, offering peace of mind
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Financing a High-Quality Certified Pre-Owned GM Vehicle+
GM Financial makes it easy for U.S. buyers to finance a GM Certified Pre-Owned (CPO) vehicle. These cars, trucks, and SUVs undergo a thorough inspection process and come with manufacturer-backed warranties, offering a like-new experience with the value of a pre-owned vehicle.
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Special Programs and EV Financing+
GM Financial is committed to serving a diverse range of U.S. customers, offering programs that may assist first-time buyers or eligible military personnel. As GM leads the charge into an electric future, GM Financial is also your partner in financing an electric vehicle like the Chevrolet Bolt EV or Cadillac LYRIQ.
Top Auto Financing Options in the U.S.
- GM Financial: Provides comprehensive financing solutions, including leasing, purchasing, and refinancing options, with tools like prequalification and payment calculators.
- Capital One Auto Finance: Offers prequalification without impacting credit scores and a wide network of participating dealerships.
- LightStream (a division of Truist Bank): Specializes in unsecured auto loans with competitive rates and no restrictions on vehicle type.
- Carvana Financing: Delivers a fully online car buying and financing experience, including vehicle delivery.
- Bank of America Auto Loans: Provides competitive rates, online applications, and discounts for existing customers.
Traditional Bank Financing
Major U.S. banks provide vehicle loans with a clear structure, established repayment timelines, and digital account access, making them a preferred choice for borrowers who value reliability and customer service. However, when compared to GM Financial, traditional banks might lack the brand-specific perks and dealership integration that GM customers can benefit from.
GM Financial Auto Financing
What makes GM Financial unique in the American auto loan space is its direct alignment with General Motors’ vehicle ecosystem. Customers can apply online or through participating dealerships and enjoy features like prequalification with no impact on credit, access to exclusive lease and purchase deals, and the ability to manage their account digitally through the GM Financial app. GM Financial also offers end-of-lease support, early payoff tools, and GAP coverage to protect your investment. With a strong customer service reputation and a process built around GM owners, it delivers a financing journey that’s both personal and practical.
Online Lending Platforms
Online financing services like those offered by LendingTree, myAutoLoan, or even Carvana appeal to consumers who prefer digital convenience and side-by-side comparisons. These platforms often provide quick approvals and a marketplace of options, but they don’t offer the same seamless integration with vehicle manufacturers as GM Financial does. In contrast, GM Financial allows customers to transition smoothly from credit application to test drive—all through the dealership—without the need to coordinate with third-party lenders.
Unsecured Personal Loans
Unlike GM Financial—which uses the car as collateral to offer more favorable APRs—personal loans depend more heavily on credit score and income history. While they offer flexibility in how the funds are used, they generally lack the protections and benefits that GM Financial includes, such as vehicle-specific contract terms, refinancing options, and lease-end protections.
Buy Here, Pay Here Dealerships
Buy Here, Pay Here dealerships can be tempting for consumers with poor credit, as they approve loans on-site and often without a credit check. However, these setups frequently come with inflated interest rates, short repayment periods, and aggressive repossession policies. GM Financial, on the other hand, is a trusted financing arm of one of the largest auto manufacturers in the U.S., offering competitive terms and a much more consumer-friendly experience—even for those with less-than-perfect credit.
How Auto Loans Impact Your Finances and Credit Score in the U.S.
Taking out an auto loan in the U.S. directly affects your FICO credit score, budget, and borrowing power. With GM Financial, on-time monthly payments are reported to credit bureaus, helping responsible borrowers build or strengthen their credit profiles. A solid repayment history can improve your eligibility for future financial products, like mortgage loans or credit card approvals. Conversely, late or missed payments can damage your score and increase your debt-to-income ratio (DTI), which can hurt your chances of securing favorable loan terms down the road. Combine that with tools like GM Financial’s digital payment portal and optional GAP insurance, and you have a financing experience designed to safeguard both your wallet and your credit.
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