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Frequently Asked Questions

Thank you for visiting GM Financial. Here is a list of the most commonly asked questions. If you don't find the information you need here, please contact Customer Service.

Most Common Questions

We have several payment options to fit your needs, including the ability to make a payment using a bank account, credit card or cash, or by phone or by mail. Additional fees may apply. Making a payment using a debit or ATM card may incur a $5 Western Union Money Transfer Fee. GM Financial does not accept payments made in person.

You can find payoff details by contacting Customer Experience at 1-855-501-5563. Lease customers should call Customer Experience at 1-800-369-5212.

Any overage or extra payments on an account should be refunded within 30 days.

Simple interest is an interest accrual method. Interest accrues on a daily basis on the unpaid principal balance. The interest charge is always based on the principal balance, so interest on interest is not charged. Learn more about simple interest.

Account

You can obtain important account information by contacting Customer Experience at 1-855-501-5563.

Lease customers should log in to gmfinancial.com/myaccount or contact Customer Experience at 1-800-369-5212.

You can obtain an account summary by contacting Customer Experience at 1-800-369-5212. Lease customers should call Customer Experience at 1-855-501-5563.

You can ask for your account to be reviewed for due date change eligibility by contacting Customer Experience at 1-855-501-5563. Lease customers should contact Customer Experience at 1-800-369-5212.

If you have a lease with us, the easiest way to change your address or phone number is to log in to gmfinancial.com/myaccount and update your profile information. If you would like to change your information offline, contact Customer Experience at 1-800-369-5212.

If you do not have a lease, please contact Customer Experience at 1-855-501-5563

Combined billing statements are only available if you do not have a lease. Contact Customer Experience at 1-855-501-5563 for more information.

If you have filed bankruptcy, please contact Customer Experience at 1-877-203-5538. Lease customers should call 1-800-369-5212.

Bankruptcy

If you have questions about your reaffirmation agreement, please contact Customer Experience at 1-877-203-5538. Lease customers should call 1-800-369-5212.

If you have filed bankruptcy, please contact Customer Experience at 1-877-203-5538. Lease customers should call 1-800-369-5212.

If you have filed bankruptcy, please contact Customer Experience at 1-877-203-5538. Lease customers should call 1-800-369-5212.

Please note that GM Financial is not attempting to collect a debt by allowing access to these options.

General

You may dispute your credit reporting information directly with the credit bureaus, or you may dispute it with GM Financial in writing at:

GM Financial
Attn: Customer Experience Support
P.O. Box 181145 
Arlington, TX 76096-1145

Your privacy is important to us, and we understand that you expect us to safeguard your personal financial information in a secure manner. For more information, review our privacy policy.

Review the policy privacy for lease customers.

Simple interest is an interest accrual method. Interest accrues on a daily basis on the unpaid principal balance. The interest charge is always based on the principal balance, so interest on interest is not charged. Learn more about simple interest.

If you have a closed-end lease (The Right Lease), you have the option to:

  • Trade in the vehicle for a new model
  • Purchase the vehicle for your continued use
  • Purchase the vehicle and sell it
  • Drop off the keys and turn in the vehicle

If you have an open-ended lease (The Right TRAC), you have the option to:

  • Purchase the vehicle for the agreed-upon terminal value
  • Trade in the vehicle
  • Allow GM Financial to sell the vehicle while you keep any surplus (or owe any shortage)

The GM dealership where you got your vehicle is also an excellent source for information regarding your end-of-lease options. They can also answer questions about the process for returning your vehicle, the inspection required, excess mileage concerns and final invoices.

Learn more about the end of lease process.

You are responsible for any applicable tolls, tickets, property tax or fees assessed. The initial bill will go to GM Financial. Then, GM Financial will add the charges to your monthly billing statement, with a copy of the original bill. If you do not receive a monthly billing statement, you will receive an off-cycle bill for the applicable fees.

GM Financial has a lease assumption program that helps facilitate lease transfers. For more information, contact Customer Experience at leasecustomerservice@gmfinancial.com or 1-800-369-5212.

Contact Customer Experience at 1-855-501-5563 for information and next steps. Lease customers should call 1-800-369-5212.

Contact Customer Experience at 1-855-501-5563 for information and next steps. Lease customers should call 1-800-369-5212.

Insurance should be in your business's name. Contact Customer Experience at 1-855-501-5563 for information and next steps. Lease customers should call 1-800-369-5212.

To update your account information, contact Customer Experience at 1-855-501-5563. Lease customers should call 1-800-369-5212.

For more information on removing your name from the guaranty/lease, contact Customer Experience at 1-855-501-5563. Lease customers should call 1-800-369-5212.

Both a co-buyer and a guarantor sign a contract that says they will assume financial responsibility if the business is unable to pay. However, co-buyer's name will be listed on the contract and the title, while a guarantor's will not. Debt will also be recorded on the co-buyer's person credit, but not on the guarantor's.

Online MyAccount

Lease customers can go to gmfinancial.com/myaccount and click Register Now to create a User ID and Password. You will need your account number, which can be found on your welcome packet or billing statement, as well as the last four digits of your tax ID number.

Keep in mind that while your User ID is not case sensitive, your Password must be entered exactly as you created it.

CVL loan customers cannot create an online account at this time.

Lease customers can log in to gmfinancial.com/myaccount. If you do not have an account, click Register Now to create a User ID and Password. You will need your account number, which can be found on your welcome packet or billing statement, as well as the last four digits of your tax ID number.

Keep in mind that while your User ID is not case sensitive, your password must be entered exactly as you created it. If you are having trouble logging in, you can request a user ID reminder or password reset at gmfinancial.com/myaccount.

If you answer your security questions incorrectly five times, your account will be locked for security reasons. To unlock your account, contact Customer Experience at call 1-800-369-5212.

Loan customers cannot access their information online at this time.

Lease customers can log in to gmfinancial.com/myaccount and click "Link another account" at the bottom of the page, then enter the lease or loan account number. Please note that business lease accounts may only be linked with other business lease accounts. Business and personal accounts must be managed separately and cannot be linked.

Payment Options

We have several payment options to fit your needs, including the ability to make a payment using a bank account, credit card or cash, or by phone or by mail. Additional fees may apply. Making a payment using a debit or ATM card may incur a $5 Western Union Money Transfer Fee. GM Financial does not accept payments made in person.

Lease customers can set up one-time payments or recurring payments online by logging in to gmfinancial.com/myaccount.

If you do not have a lease, you can contact Customer Experience at 1-855-501-5563 to enroll in an automatic payment plan.

Please keep following information in mind when making payments online:

  • The minimum payment you can make online is $10
  • The maximum one-time payment you can make online using a bank account is $50,000. The maximum recurring payment you can make online using a bank account is $5,000.
  • The maximum online payment you can make online using an ATM/Debit or credit card is $2,999.
  • To ensure on-time payment, please allow up to two business days for payments to post to your account, excluding weekends and bank holidays. The regular payment acceptance deadline is Monday-Saturday 8:30 P.M. CST.
  • GM Financial cannot cancel a payment once it has been submitted and authorized. Please contact your financial institution to cancel a payment.
  • More than one payment may be made per business day
  • GM Financial is not responsible for payment delays

Payoff

Your account balance may differ from your payoff balance due to interest charges, fees and other items that may be credited or debited to your account.

For lease customers, you may have an outstanding balance for all contractual obligations, such as late fees, excessive mileage or excessive wear and tear.

You can find payoff details by contacting Customer Experience at 1-855-501-5563. Lease customers should call Customer Experience at 1-800-369-5212.

Any overage or extra payments on an account should be refunded within 30 days.

You will typically receive a title or lien, depending on the state the vehicle is titled in, 30 days after your account is paid in full (or as required by state law).

Statements

Although terms vary between contracts, your first payment will generally be due 30 days from the date your contract is executed, and you will receive a billing statement approximately 14 days before your due date. You can get more information by calling Customer Experience at 1-855-501-5563.

Lease customers should call Customer Experience at 1-800-369-5212.

Some insurance companies routinely report lapses in coverage to lien holders. Please direct any proof of insurance concerns to our Insurance Service Center.

U.S. Regular Mail
GM Financial 
P.O. Box 1617 
Minneapolis, MN 55440-1617

Overnight/Courier
GM Financial
C/O van Wagenen Financial
6483 City West Parkway 
Eden Prairie, MN 55344

Canada Regular Mail
GM Financial of Canada
P.O. Box 9827, Station T
Ottawa, ON K1G 3X2

Title and Registration

Only individuals on the contract can be added to the title. For further assistance, please contact Customer Experience at 1-855-501-5563. Lease customers should call 1-800-369-5212.

You will need to go to your Department of Motor Vehicles (DMV) office to re-register. Since each state has its own procedures to follow, we recommend that you contact your DMV in advance. (There are three states that require permission from the lien holder to re-register: Arizona, New York and West Virginia.) If you require permission, please contact Customer Experience at 1-855-501-5563. Lease customers should call 1-800-369-5212.

Lease customers should keep in mind that moving to another state or county may impact your taxes. Please contact your county tax assessor for details.

To submit a request for copies of your car title and/or lien letter, go to getmycartitle.com, then click GM Financial and follow the on-screen steps. Fees may apply.