GM Financial Auto Loans Review

Rating: 7 / 10 (Very good)
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Founded in 1992, GM Financial is the wholly owned finance subsidiary of General Motors. They offer loans for buying new GM vehicles from dealers, as well as lease buyout loans for purchasing leased GM cars. Buyers can apply for credit through their secure online application, which then submits loan information to the dealer of your choice.

How is GM Financial rated?


Loan Options
Application & Service

Overall Rating: 7 / 10 (Very good)

GM Financial boasts an A+ rating from the BBB, as well as accreditation. Their simple and secure online application allows buyers to apply for credit and send the information to the GM dealer of their choice, which makes buying and financing a GM vehicle easier. However, there's little information online about loan application requirements and APRs offered, which means buyers are unable to predict if they will be approved or if the loan offer will be acceptable.

Auto Loans & Refinancing

Loan Options - 7 / 10

GM Financial offers financing in the form of purchase loans and lease buyouts—for customers who wish to buy the car at the end of the lease term, with amounts up to $125,000. This is fairly standard for the industry, as well as the loan terms, which range from 24 to 72 months.

Types of Loans Offered

Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Purchase Loans

Max Loan Amount
Term Length
24 months
Max Term Length
72 months

Loan Qualifications

Qualification - 7 / 10

GM Financial provides little information on its website about loan qualification requirements. Customers in the 50 states, as well as in Puerto Rico, American Samoa, Guam, and the U.S. Virgin Islands are able to apply. As with other captive lenders, financing is only available for GM vehicles, in this case Chevrolet, Buick, GMC, and Cadillac.

Vehicle Qualifications

Car Makes
Chevrolet, Buick, GMC, Cadillac

Application & Service

Application & Service - 7 / 10

GM Financial has a secure online credit application which also submits the information to the dealership chosen by the buyer. Their website also has a loan payment calculator, as well as an "affordability calculator." This last tool is especially helpful to determine how much you can afford to borrow according to your monthly budget.
No Fees Specified
Benefits/ Features
Online Rates / Application
Joint Loans Available
Auto Loan Calculator

GM Financial Reputation & Reviews

Reputation - 7 / 10

GM Financial has an excellent business reputation. They are accredited by the BBB and enjoy an A+ rating, despite 62 negative reviews. A survey of online comments reveals most complaints revolve around poor customer service. However, financial analysis company IHS Markit says GM Financial led in manufacturer loyalty among captive lenders in 2016. This means people who had leased GM vehicles are more likely to lease another car with GM Financial.
BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Contact & Additional Information

Lender Type
Homepage URL
Company Phone
(817) 302-7000
Headquarters Address
801 Cherry Street Suite 3500, Fort Worth, TX, 76102
Year Founded

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