Access rates and programs designed specifically for Chevrolet, GMC, Buick, and Cadillac drivers.
Enjoy faster approvals and exclusive offers when financing directly at your GM-authorized dealership.
Manage your loan or lease through the GM Financial portal—anytime, anywhere.
Get access to extended warranty plans, GAP coverage, and loan safeguards backed by GM.
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Financing a New Chevrolet, Buick, GMC, or Cadillac+
When you finance your new GM vehicle through GM Financial, you’re working with a lender that knows the brand inside and out. They collaborate directly with GM dealerships to offer tailored rates and terms that align with your budget and preferred model.
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Explore the Right Lease from GM Financial+
If you like switching to newer vehicles every few years and want lower monthly payments, GM’s Right Lease could be ideal. You pay only for the portion of the vehicle you use, often resulting in less money upfront and smaller monthly costs than traditional financing.
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Financing a GM Certified Pre-Owned Vehicle+
Looking for a reliable used car? GM Financial offers financing for Certified Pre-Owned Chevrolet, GMC, Buick, and Cadillac vehicles. These CPO models are inspected, backed by factory warranties, and often come with special finance rates—making them a great value with added peace of mind.
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Manage Your GM Loan or Lease 24/7 with MyAccount+
With GM Financial’s MyAccount, you can handle your loan or lease anytime—whether online or through their mobile app. Make payments, set up autopay, update personal details, and access your statements securely, all in one place.
Unlock exclusive financing options for America’s top vehicle brands with GM Financial.
Why Choose GM Financial?
GM Financial is the official lender for General Motors, supporting Chevrolet, GMC, Buick, and Cadillac. With deep dealer integration and exclusive promotions, GM Financial delivers loan and lease options that are customized for GM shoppers—from first-time buyers to loyal lease customers.
Key Benefits of GM Financing
- 0% APR on select models like the Silverado, Traverse, and Equinox
- Lease & finance offers directly from GM dealerships
- Military, educator, and first responder programs with potential $500 bonus cash
- Certified Pre-Owned financing with extended warranty and roadside assistance
- “Mode” refinance tool to restructure existing loans
- Online prequalification tool with no credit impact
- Loyalty incentives for lease returns or trade-ins
- Flexible loan terms up to 72 months
- Options to bundle protection plans into financing
- Mobile app for account management and payment scheduling
- No prepayment penalties
- Option to defer first payment up to 90 days (on approved credit)
Financing Options Available
- Standard New Vehicle Loan
Fixed-rate loans up to 72 months for all GM models. Promotions frequently available through GM-certified dealerships. - Certified Pre-Owned GM Vehicle Loan
Includes multi-point inspection, extended warranty, and special APRs. Better rates than traditional used car loans. - GM Lease Loyalty Program
Shorter terms (24–39 months) with lower monthly payments and end-of-lease upgrade/buyout options. May include waiver of lease-end fees. - End-of-Lease Buyout Financing
Keep your leased vehicle with potential loyalty offers and competitive rates. Great for low-mileage or well-maintained vehicles. - GM “Mode” Refinance Tool
Refinance your GM or non-GM loan through a simple online application. Options to reduce APR, lower monthly payments, or shorten term. - Private Party Auto Loan via GM Partners
Available on select GM models with verified title transfer and inspection process. - Balloon Financing Options
For those seeking lower monthly payments with a larger payment at the end of term—available on specific models.
GM Financial vs Other Providers
| Feature | GM Financial | Honda FS | Capital One |
|---|---|---|---|
| 0% APR on Select Vehicles | ✅ | ✅ | ❌ |
| Certified Pre-Owned Support | ✅ | ✅ | ✅ |
| Lease Loyalty Incentives | ✅ | ✅ | ❌ |
| Online Prequalification | ✅ | Limited | ✅ |
| Refinance Tools | ✅ (Mode) | ✅ | ✅ |
| First Responder Discounts | ✅ | ❌ | ❌ |
| App-Based Loan Management | ✅ | ✅ | ✅ |
| Balloon Loan Option | ✅ | ❌ | ❌ |
Loan Simulation – 2024 Chevy Equinox
- Vehicle Price: $29,000
- Down Payment: $4,000
- Financed Amount: $25,000
- Term: 60 months
- APR: 1.9% promotional
- Monthly Payment: ~$439
- Total Interest Paid: ~$1,340
Alternative Simulation – CPO GMC Terrain
- Vehicle Price: $24,000
- Down Payment: $3,500
- Financed Amount: $20,500
- Term: 60 months
- APR: 3.49%
- Monthly Payment: ~$373
- Total Interest Paid: ~$1,880
Lease-End Buyout Example – 2021 Buick Encore
- Residual Value: $16,500
- Down Payment: $2,500
- Financed Amount: $14,000
- Term: 48 months
- APR: 4.29%
- Monthly Payment: ~$319
- Total Interest Paid: ~$1,280
Want to know how to qualify for 0% APR or combine loyalty incentives?
➡️ Continue to Page 2 for insider tips and the full approval checklist.
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