FAQ

Messaging is a convenient online connection to our Customer Experience team. You can initiate a messaging session by clicking the option in MyAccount online and in the GM Financial Mobile app for Android and iOS. During business hours, you will be connected to someone who can help you get the information you need. At the end of your session, a transcript of the online conversation will be saved for 13 months and available to you in MyAccount. The messaging function is available in MyAccount for mobile and desktop, as well as GM Financial Mobile, for a seamless experience across all platforms. To learn more about messaging our team, check out this video.

Go to the MyAccount Login page or the GM Financial Mobile app and select “Register Now” to create an account.

There are two ways to register. You can create your MyAccount right away by using your Social Security number or you can wait until you receive your account number in your welcome letter, which arrives in the mail within three weeks of vehicle funding.

You’ll verify your email address and create a case-sensitive password during MyAccount registration.

You can create and manage your account online or through the GM Financial Mobile app. Signing up is easy, and you can make payments, manage your account details, securely message us and more. Learn more here.

Want to learn more about ways to pay? Visit our payment options page.

When it comes to paying your bill, you have a number of options. This includes:

• MyAccount: Pay online or on the GM Financial Mobile app. Paying online with a bank account is free, but debit payments may have a fee. You can also set up recurring payments in MyAccount.
• Phone: Call us to pay. However, there may be a fee.
• Mail: You can send a check or money order via mail to pay your bill. 

RETAIL CUSTOMERS
Regular mail:
GM Financial
P.O. Box 78143
Phoenix, AZ 85062-8143

Overnight mail:
GM Financial
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

LEASE CUSTOMERS
Regular mail:
GM Financial
ATTN: GM Financial Lease
P.O. Box 78143
Phoenix, AZ 85062-8143

Overnight mail:
GM Financial
ATTN: GM Financial Lease
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

Please note that we don’t accept in-person payments at GM Financial locations.

If you need help setting up auto pay or debit card payments, check out these videos. Or learn how to set up payments from your bank account.

Find out how to review your payment history.

Yes, we do! GM Financial Mobile lets you find answers, make payments and manage your account on the go. Download it for free from Google Play™ store or the App Store®.

Check out these short videos to see how to download the GM Financial Mobile app on your Apple or Android device.

Yes. By setting up Auto Pay in MyAccount online or on the GM Financial Mobile app, you can have your payments automatically withdrawn from your bank account. Once you enroll, Auto Pay immediately goes into effect and can be changed or canceled through MyAccount if you change your mind later.

Customers also have the option to sign up for Auto Debit by mail, fax or email. Auto Debit will start 10 days after the request has been processed.

You can find payoff details by logging in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS. You can also contact our Customer Experience team.    

Any overage or extra payments on an account should be refunded within 30 days. See how to request a payoff quote.

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.

Log in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS to update your profile settings. By updating your preferences, you will be notified when your billing statement is available online.

Auto pay: For step-by-step directions on how to enroll in paperless statements, watch this video.

You can find detailed instructions on how to request benefits, frequently asked questions and other resources by visiting our dedicated SCRA page. We extend our gratitude to those who serve our country. 

Your security deposit will be returned to you, less any amounts owed under your lease agreement, within 60 days of returning your leased vehicle. 

To see if your GM vehicle has a recall, visit the GM Recall Center website, contact your GM dealer or call the customer service number for your vehicle brand.

If a leased vehicle is returned with a recall, the vehicle will be repaired. If the leased vehicle is returned before the maturity date, the lease-end liability invoice may be delayed while the recall repairs are completed.

If your vehicle has a recall, you can take it to your GM dealership and the recall will be fixed at no charge to you.

However, if you turn your vehicle in early due to a recall, your lease will be processed as an early termination, and your lease-end liability invoice will be calculated per your lease agreement.

Want to learn more about ways to pay? Visit our payment options page.

When it comes to paying your bill, you have a number of options. This includes:

• MyAccount: Pay online or on the GM Financial Mobile app. Paying online with a bank account is free, but debit payments may have a fee. You can also set up recurring payments in MyAccount.
• Phone: Call us to pay. However, there may be a fee.
• Mail: You can send a check or money order via mail to pay your bill. View our mail FAQ for the correct address.

Please note that we don’t accept in-person payments at GM Financial locations.

If you need help setting up auto pay or debit card payments, check out these videos. Or learn how to set up payments from your bank account.

Find out how to review your payment history.”

Yes, it's quick and easy to set up auto pay online. Just log in to MyAccount or the mobile app and view your payment options to get started.

Here are some guidelines when it comes to online payments:

• The minimum payment you can make online is $10.
• The maximum payment you can make online using a bank account is $50,000.
• It may take up to two business days for payments to post to your account, excluding weekends and bank holidays.
• GM Financial can’t cancel a payment once it’s been submitted and authorized. To cancel, you’ll need to contact your financial institution. You can change or cancel future-dated ACH payments or turn off auto pay by logging in to MyAccount.
• You can’t future date a partial payment online.
• GM Financial is not responsible for payment delays.

Payments received before 6 p.m. CT will be posted to your account the same day. On the last day of the month (excluding Sundays), the time is extended to 9 p.m. CT. Payments received after that time will be posted the next business day. Additionally, it can take up to two business days for drafted payments to be posted to your account.

We post and process payments when we receive them, so we can't accept postdated checks for payment.

No, we don't offer a grace period. We require that all payments be made by the due date listed on your statement. Interest charges and any late fees will accrue and be applied to your account each day it’s past due according to your contract. Your contract will show you when late fees are assessed.

If you’re facing financial hardship and need assistance, please message our Customer Experience team through MyAccount. They can help find a solution that works for you.

We offer flexible payment arrangements on some accounts. To see if you’re eligible, please log in to MyAccount and message our Customer Experience team. You can also call us.

You can make an online payment if your account is no more than 90 days past due. Certain restrictions may apply.

If your account is more than 90 days past due, log in to MyAccount and message our Customer Experience team to determine next steps. You can also call us.

If you’re buying your vehicle and have a loan with us, please send a check with your payment coupon to:

Regular mail:
GM Financial
P.O. Box 78143
Phoenix, AZ 85062-8143

Overnight mail:
GM Financial
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

If you have a lease with us, you can mail a check with your payment coupon to:

Regular mail:
GM Financial
ATTN: GM Financial Lease 
P.O. Box 78143 
Phoenix, AZ 85062-8143

Overnight mail:
GM Financial
ATTN: GM Financial Lease 
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

Please include your account number on your payment. If you don't know your account number, you can find it in MyAccount.

Yes. If your payment doesn’t clear the first time, it’ll be submitted a second time, as long as your financial institution allows it. If it doesn’t clear the second time, the payment will be reversed from your GM Financial account. You’re responsible for ensuring funds are available at the time of the transaction.

If that happens, you’ll need to log in to MyAccount and update your payment information. You can also contact our Customer Experience team to override the block.

Yes, you can send your payment overnight via check or money order.

Please send your payment and coupon to:

Overnight mail for retail purchase:
GM Financial
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

Overnight mail for lease:
GM Financial
ATTN: GM Financial Lease
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

Yes. By setting up Auto Pay in MyAccount online or on the GM Financial Mobile app, you can have your payments automatically withdrawn from your bank account. Once you enroll, Auto Pay immediately goes into effect and can be changed or canceled through MyAccount if you change your mind later.

Customers also have the option to sign up for Auto Debit by mail, fax or email. Auto Debit will start 10 days after the request has been processed.

Yes. Both retail and lease customers can call our Customer Experience team to pay by phone. Keep in mind that paying by phone may incur an additional fee.

Want to learn more about ways to pay? Visit our payment options page.

Yes. Paying online with a bank account, credit card or debit card is easy. Simply log in to MyAccount and navigate to your statement or enroll in auto pay to withdraw funds from your bank account on time each month. You can also pay through the GM Financial Mobile app.

Want to learn more about ways to pay? Visit our payment options page.

Yes. You can make a payment from your bank account online through MyAccount, on the GM Financial Mobile app or by phone.

Want to learn more about ways to pay? Visit our payment options page.

Want to learn more about ways to pay? Visit our payment options page.

Yes. Retail customers can make payments with debit cards online through MyAccount, on the GM Financial Mobile app or by phone. Lease customers can use a debit card to pay online. Keep in mind that fees may apply.

To learn more about how to set up payments using a debit card, check out this video.”

Yes. You can make a payment with your credit card through Western Union, though keep in mind fees may apply. You also might have the option of paying with a credit card online through MyAccount. Log in to see your specific payment options.

Want to learn more about ways to pay? Visit our payment options page.

In the United States, you can pay with cash through MoneyGram or cash through Western Union. In Canada, you can pay with cash or debit card through MoneyGram. Please keep in mind that fees may apply.

Want to learn more about ways to pay? Visit our payment options page.

If you would like to pay by check or money order, please mail it to:

RETAIL CUSTOMERS

Regular mail:
GM Financial
P.O. Box 78143
Phoenix, AZ 85062-8143

Overnight mail:
GM Financial
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

LEASE CUSTOMERS

Regular mail:
GM Financial
ATTN: GM Financial Lease 
P.O. Box 78143 
Phoenix, AZ 85062-8143

Overnight mail:
GM Financial
ATTN: GM Financial Lease 
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

Payments are first applied to accrued interest. Then we apply the rest toward your principal or any outstanding charges/fees based on the status of your account.

Any amount paid over your current amount due will be applied to future payments. If all applicable interest, fees and late charges have been paid, the remaining funds will be applied to your principal balance. Each payment, regardless of the amount, is automatically applied this way.

You can view a payment breakdown in the Transaction Details section of your monthly billing statement.

Any amount paid over your current amount due will be applied to future payments. If all applicable interest, fees and late charges have been paid, the remaining funds will be applied to your principal balance. Each payment, regardless of the amount, is automatically applied this way.

You can view a payment breakdown in the Transaction Details section of your monthly billing statement.

You can make principal payments in MyAccount. Specify the amount to apply toward your principal balance on the payment screen. 

Yes! Simply log in to MyAccount and redeem points from My GM Rewards as a credit toward your account.

It takes up to three business days for the credit to appear. If it’s been more than three business days and you still don’t see the credit, please contact My GM Rewards Customer Service at 1-844-764-2665.

Log in to MyAccount, and your available My GM Rewards balance will be displayed on your dashboard.

Currently, we are unable to accept principal-only payments from My GM Rewards points.

You need a minimum of 500 points ($5) and must meet all other My GM Rewards program eligibility. For more details, see program terms and conditions.

There are several ways for you to earn additional points from My GM Rewards. Learn more at My GM Rewards. 

To pay using points from My GM Rewards, log in to My GM Rewards to check eligibility requirements.

Visit the lease-end section of our site to explore your options.

The GM dealership where you leased your vehicle is also a great source for information regarding your next steps. They can answer questions about the process for returning your vehicle, the inspection required, excess mileage and more.

If you have specific questions for us, you can send us a message by logging in to MyAccount or texting* LEASEEND to 53721.

^{*Message and data rates may apply}

Yes, you’re responsible for any applicable tolls, tickets, property tax or fees assessed during your lease agreement. The initial bill will be sent to us. Setting up a toll tag (an electronic payment method that automatically pays for tolls as you drive through them, such as E-ZPass) is an easy way to avoid additional issues or late fees.

For property taxes, we'll add the charge to your monthly billing statement and mail you a letter to notify you of this charge. Property tax bills can still be received up to 18 months after your lease has ended.

For tolls and tickets, we’ll email and/or mail you a letter about how to pay the tolling authority directly, as we don’t collect amounts owed to these authorities. You’ll only see charges on your account if you don’t pay the billing authorities by the stated due date.

GM Financial has a lease assumption program that helps facilitate lease transfers. Lease assumptions must meet the following requirements:

• Vehicle must be registered/titled in the same state as the Assuming Lessee(s)
  • Note: Assuming Lessee(s) must have a driver's license issued in the same state where the vehicle is registered. Permits or state IDs are not accepted.
• For new leases, lien must be perfected
• Lease must be 6 months or more from maturity
• Assuming lessee must meet all of GM Financial’s underwriting and credit guidelines
• The account is current on payments and must remain current through the lease-assumption process
• If a lease is contracted under multiple parties, the lease can be assumed by new lessees as long as all parties agree and sign third-party authorization forms and the new contract

For more information, you can either call or message us by logging in to MyAccount. You can also text* LEASE to 53721.

_{*Message and data rates may apply.}

The standards for wear are listed in your lease agreement. Any wear to the vehicle that is not excessive is considered normal. Examples of excess wear include, but are not limited to, missing or broken parts, dented or damaged body panels, and cracked or broken glass. Additionally, an end-of-lease guide will be mailed to you with lots of helpful information regarding excess wear.

The best way to find out what excess wear charges you might be responsible for is to schedule a complimentary pre-return inspection. You can schedule this inspection to take place at home, at work or at your dealership. To schedule this inspection, contact us through MyAccount, text* LEASEEND to 53721 or call 1-800-284-2271.

_{*Message and data rates may apply.}

If you buy or lease a new GM vehicle after turning in your previous GM lease, you may be eligible to receive a partial waiver on your excess wear charges.

To determine eligibility, you must contact us by messaging in MyAccount or texting* LEASEEND to 53721.

If you have excess wear charges and you’re a My GM Rewards member, you can use those points toward eligible charges like excess wear or mileage. Login to MyAccount and click “Pay with Points”.

_{*Message and data rates may apply.}

You can schedule your lease-end inspection at home, work or your dealership. To schedule this inspection, you can contact us by phone or through MyAccount. You can also text* LEASEEND to 53721.

_{*Message and data rates may apply.}

A flat-rate fee, outlined in the lease agreement, charged to GM Financial lessees after returning their vehicle. The disposition fee covers the cost of preparing the vehicle for resale.  

Your disposition fee may be waived if you buy or lease another new GM vehicle; see the lease agreement for details. If you exercise the purchase option in the lease agreement, the disposition fee will not be charged.

If you choose to purchase your vehicle, check your contract’s purchase option for more specific details.

Customers located in Arizona, Arkansas, Colorado, Florida, Hawaii, Kansas, North Carolina, Pennsylvania, South Dakota and Vermont can’t purchase their vehicles directly from GM Financial. Residents of these states will need to visit a GM dealership to purchase

If your vehicle has a recall, you can take it to your GM dealership and the recall will be fixed at no charge to you.

However, if you turn your vehicle in early due to a recall, your lease will be processed as an early termination, and your lease-end liability invoice will be calculated per your lease agreement.

Personalized license plates, or vanity plates, allow you to choose a specific letter/number combination that’s special to you. Transferring your personalized plate to a new vehicle lets that unique sentiment stick around for your next journey.

If you’d like to keep your personalized plate, you can visit our personal plate page to download and fill out the request form. Once the form is completed, you’ll send it by either email or fax to the Personal Plate Department, and when it’s received, we’ll reach out with further instructions. You can learn more about this on your local Secretary of State or DMV website.

Make sure to clear all your personal data, including garage door codes, saved phone numbers and addresses, app data, etc. Also, sign out of any accounts that you might have linked with your vehicle. For complete instructions on how to find and remove personal data, please see your Owner’s Manual.

To cancel OnStar services for your current vehicle or transfer them to a new one, press the blue OnStar button. Or call 1-888-466-7827 to speak with an OnStar advisor.

You can also download our return checklist to ensure you have everything you need for turn-in.

Safeguarding your personal and financial information is our top priority. You can help protect yourself against identity theft by:

• Monitoring financial account transactions, including your billing statement
• Reviewing your credit report for suspicious activity. Visit annualcreditreport.com to get one free credit report per year. You can also request a credit report from a credit bureau for a fee.
• Protecting your password and using strong passwords or passphrases
• Being careful about what information you share online

Learn more ways to protect your identity online.

You can keep your online information safe by following these tips:

• Use a strong password that consists of upper and lowercase letters, numbers and symbols, and is different from other passwords you use. Avoid generic phrases or personal information, and never write down or share your passwords with anyone.
• Whenever available, use multi-factor authentication to provide extra security when you log in to your accounts.
• Use a secure, private Wi-Fi connection when accessing personal information. Update your phone and internet browsers regularly.
• Never give out info like bank account numbers, credit card info, date of birth, SSN or any other confidential information through email. GM Financial will never ask you for your password or one-time MyAccount authentication code by phone, text or email.

If you find that someone accessed your GM Financial account without your permission or have questions about your account security, please contact us immediately.

If you think you are a victim of identity theft, you may request an investigation through the process outlined below.

• A completed Investigation Request Form and copy of your ID Theft Report, such as a police report, that has already been filed with a federal, state or local law enforcement agency is required to process a claim of identity theft. A completed ID Theft Affidavit and a copy of your driver’s license or government-issued ID are not required (though they may be requested) but will assist in expediting the claim.
• Mail documents to:
  GM Financial
  Attn: Central Fraud Department
  801 Cherry Street, Ste. 3500
  Fort Worth, TX 76102
• We’ll begin the investigation once we receive the required documents.
• We’ll notify you of our findings by mail. If we can establish your true identity and determine the claim as valid, we’ll report to the credit bureau agencies that the GM Financial account should be deleted from your credit file. If we can’t establish your true identity, or, in good faith, determine the claim is invalid, the GM Financial account won’t be deleted from your credit file

If you have questions or concerns about your identity theft claim, email the Central Fraud department at creditfraud@gmfinancial.com. Include your name, phone number, account number, if applicable, and a description of your question or concern.

Messaging is a convenient online connection to our Customer Experience team. You can initiate a messaging session by clicking the option in MyAccount online and in the GM Financial Mobile app for Android and iOS. During business hours, you will be connected to someone who can help you get the information you need. At the end of your session, a transcript of the online conversation will be saved for 13 months and available to you in MyAccount. The messaging function is available in MyAccount for mobile and desktop, as well as GM Financial Mobile, for a seamless experience across all platforms. To learn more about messaging our team, check out this video.

Go to the MyAccount Login page or the GM Financial Mobile app and select “Register Now” to create an account.

Keep in mind that while your email address is not case-sensitive, your password must be entered exactly as you created it.

Download the GM Financial Mobile app for Android or iOS or visit the MyAccount Login page to register and access your account information.

If you have trouble logging in after you’ve registered, you can request an email reminder or password reset. For additional support, call 1-800-284-2271.

When you log in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS, you'll see an option to "Link Another Account." Choose the option to enter the account number and link it. Personal and business accounts must be managed separately and cannot be linked. Learn how to link multiple vehicles to your profile.    

You can log in to your MyAccount profile online or in the GM Financial Mobile app at any time to adjust your notifications and change them. Check out this video to see how you can change your notification settings.

You can sign up for text alerts and/or email notifications in MyAccount. Just log in and edit your profile to make changes.

After you opt in to receive text alerts* and click “Save Preferences” in your MyAccount profile, you will receive your first text message from GM Financial. Messages will come from the number 66765 and might take a few minutes to show up on your phone. At that time, you’ll be asked to respond with “Y” or “Yes” to confirm. After that, you’ll receive messages from us. Message frequency will vary.

Text alerts are sent from an automated system that is unable to respond. If you have questions regarding your payment, text INFO to 53721* to get in touch with a Customer Advocate.

*There is no charge from GM Financial, but message and data rates may apply.

When you file a petition for bankruptcy, federal law prohibits GM Financial from attempting to collect on an account that existed at the time of filing, absent permission from the Bankruptcy Court. GM Financial will place your account in bankruptcy status. All statements will cease as we are not permitted to send billing statements to customers involved in an active bankruptcy case. Automatic or recurring payments on the account will also cease.

If you have filed for bankruptcy and would like to surrender your vehicle, please call 1-877-203-5538. You will need your account number and your bankruptcy case number.

A Reaffirmation Agreement is an agreement between a creditor and debtor(s) who has filed bankruptcy stating that the debtor(s) will honor the terms of the initial contract initiated with the creditor.

You are not required to sign a Reaffirmation Agreement. However, by executing a Reaffirmation Agreement with GM Financial, you will resume receiving monthly statements on your account, be able to access your account via our website, make payments via that website and be eligible for deferments on your account, once your case has been discharged.

Not all services are available to customers who have been discharged in a bankruptcy case but not reaffirmed their debt with GM Financial. If you wish to reaffirm your debt with GM Financial, a Reaffirmation Agreement must be signed – by you, your attorney and GM Financial – and filed in a timely manner with the Bankruptcy Court. If you are not represented by bankruptcy counsel, the Bankruptcy Court must approve the Reaffirmation Agreement before it is a valid, binding agreement. It is your responsibility to obtain such approval.

GM Financial urges you to discuss your obligations as a debtor in bankruptcy with your bankruptcy attorney. Account terms are not modified in a Reaffirmation Agreement with GM Financial.

Upon the entry of a discharge order in a Chapter 12 or 13 bankruptcy case, GM Financial is prohibited from making collection efforts on any debt that was discharged. Depending on the GM Financial arrangements made under the plan of reorganization approved by the bankruptcy court, GM Financial may be required to release its security interest upon the entry of the discharge. Or, its security interest in the collateral on the account remains and GM Financial retains its state law and contractual rights to protect such interest. You should discuss these alternatives with your bankruptcy attorney.

Customers in bankruptcy will not receive monthly statements, but you do have the option to pay online by logging in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS. You also have the option to pay by phone, pay with cash, or mail in a check or money order. If your account is in a repossession status, you will not be able to pay online.

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

Any overage on an account is automatically refunded to the customer within 60 days following date of payoff. To verify an overage on a paid-off account, please log in to gmfinancial.com/MyAccount and message our Customer Experience team. You can also call us.

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.

Lease customers may have an outstanding balance for all contractual obligations, such as late fees, excessive mileage or excessive wear.

You can find payoff details by logging in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS. You can also call us.

Any overage or extra payments on an account should be refunded within 30 days. See how to request a payoff quote.

Depending on your state, your title or lien release documents typically arrive within 30 days of paying your account in full (or earlier, as required by state law).

To release titles on lease accounts, we require filled out and signed Lease Purchase Documents, including the odometer statement and damage disclosure acknowledgment (depending on state law). These can be found in the GM Financial Document Center, along with instructions for returning the paperwork.

Find your new ride

Enjoy the excitement of a new vehicle by returning your current leased vehicle and finding a new vehicle to lease or buy. Save time at the dealership by applying online now.

Buy your leased vehicle

Do you love your ride so much you don’t want to say goodbye? You can purchase your vehicle at any point during your lease. Visit your dealership to discuss your options.

Return your vehicle

If you just want to turn your vehicle in and don’t want to lease or buy a new GM vehicle, schedule an appointment at your dealership. Before you make a final decision, make sure to check out the latest offers in your area.

The GM dealership where you leased your vehicle is best qualified to help you with the return process. However, you can return it to the GM dealership that is most convenient for you. If you need assistance with the return process, you can message us in MyAccount or the GM Financial Mobile app. You can also call us at 1-866-631-0132.

You need to contact your originating GM dealer to assist with obtaining a quote, or you can call us. Please have your account number, Social Security number or vehicle identification number (VIN) available to help us quickly locate your account.

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, a 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 personal credit, but not on the guarantor's.

Yes, you’re responsible for any applicable tolls, tickets, property tax or fees assessed during your lease agreement. The initial bill will be sent to us. Setting up a toll tag (an electronic payment method that automatically pays for tolls as you drive through them, such as E-ZPass) is an easy way to avoid additional issues or late fees.

For property taxes, we'll add the charge to your monthly billing statement and mail you a letter to notify you of this charge. Property tax bills can still be received up to 18 months after your lease has ended.

For tolls and tickets, we’ll email and/or mail you a letter about how to pay the tolling authority directly, as we don’t collect amounts owed to these authorities. You’ll only see charges on your account if you don’t pay the billing authorities by the stated due date.

We’re required to report accurate information to the credit bureaus. If you believe we’ve reported inaccurately, you may dispute your information directly with the credit bureaus or by writing to us at:

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

When sending in your dispute, please include the following information:

• Name
• Account number OR the last four digits of your Social Security number, address and telephone number.
• The specific information being disputed such as consumer information, month(s) disputed, account status, balances or payoff status.
• All supporting documentation such as a bank statement, copy of a cleared check or credit report showing a GM Financial tradeline.

We're not able to honor requests for goodwill credit adjustments (the removal of valid reporting history from a credit report).

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 privacy policy for lease customers.

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.

Yes. Depending on your scheduled termination date, there may be several options available to you. Please contact us or the originating dealership for details.

If you elect to return your leased vehicle and have exceeded the allowed mileage in your lease agreement, you will be charged for the additional miles. These charges are detailed in your lease agreement.    

If you turn in your lease vehicle, you are responsible for any excess wear-and-use charges, remaining payments, excess mileage charges, fees, taxes and/or citations.    

A Form 1099-C is sent to a customer when a debt of $600 or more is canceled.

The IRS may consider the debt or portions of the forgiven debt as income leading to a one-time tax charge. A tax adviser or the IRS can assist you on what to do with the form.

If you want to pay any portion of the amount reported on the Form 1099-C, please contact us.

The reported dollar amount is the remaining balance that has been canceled by your creditor. If you have any questions regarding the tax consequences of the Form 1099-C, please reach out to your tax adviser or the IRS. 

TINs are unique numbers used by the Internal Revenue Service (IRS) to help identify businesses.

You can redeem your points on the GM Rewards website. Simply log in and view the current offers on the “Redeem Points” page. Once you find the offer you want to redeem your points for, click “Learn More & Redeem” to start the transaction. 

Don’t have a GM Rewards account? Sign up today to get started.

When an account holder passes away, GM Financial needs a copy of the death certificate and executor of estate, if applicable, to update their account.

You can send the required documents to the following address:
GM Financial
PO Box 183581
Arlington, TX 76069-3581

For more information, contact us or text ASSIST to 53721 (message and data rates may apply).

OnStar is a GM subscription-based service that offers features such as in-vehicle security, emergency services, turn-by-turn navigation, remote diagnostics and more.

Have questions? Use the blue button in your vehicle or call OnStar Customer Service at 1-888-466-7827.

The best way to start is to apply to prequalify, and you can fill out an online application. Prequalification helps determine if you’re likely to qualify for financing. It isn’t the same as an approval, but it’s the first step in the process.

After prequalification, you can submit a credit application through a GM dealership. If you choose not to apply to prequalify, you can still submit an application through a Chevrolet, Buick, GMC or Cadillac dealer.

If you’re not prequalified, you can follow up with the dealer selected in your application for assistance with your vehicle shopping and financing needs.

The balloon payment option can be selected when purchasing certain EVs and allows customers to make smaller monthly payments over the life of the contract and then pay a large lump sum at the end. Please note that state exceptions may apply.

Generally, there are three things you can do at the end of your contract if it includes the balloon option. Please reference your contract addendum, as some state exceptions may apply:

• Purchase the vehicle: Requires you to make the balloon payment and pay any remaining balance on your account, which will pay off the vehicle.
• Refinance the vehicle: Allows you to refinance the remaining balloon amount.
• Sell the vehicle back to GM Financial: Does not require payment of the balloon amount. However, you must notify us 30 days in advance if you choose this option.

If your contract includes a balloon payment option and you choose to purchase your vehicle or refinance the amount of the balloon payment, you’ll need to pay your balance. If you choose to sell the vehicle back to us on the scheduled due date of the balloon payment, you’ll need to pay any part of the contract balance that remains unpaid after we subtract the option sales price. Please refer to your contract addendum to confirm the option sales price.

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 log in to MyAccount or the GM Financial Mobile app for Android and iOS to find important account information. If you do not have an account, click “Register Now” to get started.

How do I enroll in paperless statements?

Log in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS to update your profile settings. By updating your preferences, you will be notified when your billing statement is available online.

Auto pay: For step-by-step directions on how to enroll in paperless statements, watch this video.

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

If you're experiencing postal delays, you're not alone. Digital statements are often available several days before a paper statement can be delivered to your address due to reported postal delays. You can log in to MyAccount online or through the GM Financial Mobile app to view your statements, message us and make payments.

If you feel you should have received your statement and haven’t, you can sign up for MyAccount or log in anytime to view your statements online. Or, you can enroll in paperless billing to receive statement notifications via email. If you need to find out your due date or the amount owed, please message us in MyAccount or call us.

Only individuals on the contract can be added to the title. Retail customers can contact their state’s motor vehicle agency about adding or removing someone from the title.

If you moved to a new state, you may need to update your information and register your vehicle in your new location. To learn more, check out our Out-of-State Registration form. Since each state has different procedures, we recommend you visit your state’s motor vehicle agency website for additional information.

There are three states that require permission from the lienholder to re-register: Arizona, New York and West Virginia. For customers in those states, please fill out our Relocation Request form. 

Congratulations! After you’ve completed your contract agreement and paid off your vehicle, we’ll send the title or lien release to you within 30 days of your final payment clearing, depending on payment method and applicable state laws.

IMPORTANT: Make sure your address is correct or updated prior to making your final payment for the title release. Otherwise, your title may be sent to the wrong address. You can either log in to MyAccount to update your address or contact us.

We can release our lien directly with the state if it has an electronic title system. For more information on the electronic lien and titling process, please contact your state’s motor vehicle agency directly. If you’re in an electronic lien release state, we’ll notify you by mail. Depending on state laws, electronic titles and/or liens are released to the state’s agency about 10 business days after an account is paid in full. However, there may be additional processing time before receiving your vehicle title.

If it's been more than 30 days and you still haven't received your title, and we didn’t notify you that you’re in an electronic lien release state, you can order a duplicate title and/or lien release. Submit a request by going to getmycartitle.com/gmfinancial and following the steps. Fees may apply. For step-by-step directions, download our “Let’s Talk Titles” fact sheet.

To release titles on lease accounts, we require you to fill out our Lease Purchase Documents, including the odometer statement and damage disclosure acknowledgment (depending on state law). These can be found in our Document Center along with instructions for returning the paperwork.

If you’re a lease customer and you recently purchased your lease, you’re requesting a duplicate title. You can submit a request by going to getmycartitle.com/gmfinancial and following the steps. Fees may apply. For step-by-step directions, download our “Let’s Talk Titles” fact sheet.

For retail customers, GM Financial requires full coverage on your vehicle.

For lease customers, GM Financial requires customers to obtain insurance coverage, including the following:

• Bodily Injury Coverage with $100,000/$300,000 limits
• Property Damage Coverage with $50,000/$500,000 limits or combined single limits
• Collision, Fire, Theft and Comprehensive coverage with a maximum deductible of $1,000

Retail customers, please send your proof of insurance to:

U.S. Originated Accounts

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

Overnight Mail
GM Financial C/O van Wagenen Financial
6483 City West Parkway
Eden Prairie, MN 55344
Fax Number 1-800-562-6148
Email: gmfinancialinsurance@vanwagenen.com

Canada Originated Accounts

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

Overnight Mail
GM Financial C/O van Wagenen Financial
6483 City West Parkway
Eden Prairie, MN 55344
Fax Number 1-800-260-2388

Lease customers, please send your proof of insurance to:

U.S. Originated Accounts

Regular Mail
ACAR Leasing Insurance Service Center
P.O. Box 398045
Minneapolis, MN 55439-8045
Fax Number 1-800-762-6357

It’s best to contact your insurance company and ask when they will send the check to GM Financial. Once GM Financial receives the insurance check, it can take three to five business days to process.

Guaranteed Asset Protection (GAP) may help pay off your vehicle financing if your vehicle is totaled and your insurance pays less than what you owe.

Insurance companies declare a vehicle a total loss when damages cost more than its cash value, meaning it’d cost more to repair the vehicle than it’s worth. A vehicle may also be deemed a total loss if it’s stolen and not recovered. After a total loss, the insurance company will pay what they determine the vehicle is worth.

GAP coverage is an ancillary product that could pay a portion up to the remainder of the balance owed, but it may not cover additional charges added to the account such as late fees or property tax. GAP coverage is optional and not required to obtain financing.

Total Loss: If there is an overage on the account after the insurance check is applied, a refund will be released within 15 business days.

Insurance Repair: Once the repairs deemed by the insurance company are completed and the required documents have been received and verified, a refund will be processed in three business days. The funds will be sent to the body shop repairing the vehicle unless proof that the repair bill has been paid is received by GM Financial.

To request a cancellation quote or to cancel an eligible product that was financed through GM Financial, please contact your originating dealership or the product’s program administrator to begin the process. If your product brand is listed below, the applicable program administrator’s contact information is provided for your reference.

If you have been affected by a natural disaster or other financial hardships, please contact us by sending a message in MyAccount online or in the GM Financial Mobile app, texting INFO to 53721, or calling us to discuss your options.

No. But there are perks to being a GM Financial customer, such as working with a trusted global leader in finance and our friendly customer service team.

Completing the application takes very little time. We sometimes need a few documents from you that you’ll be able to securely upload online. 

At this time, we’re only accepting applications for a single applicant.

Prequalification is not a final determination of credit. We will make a decision after you have completed the GM Financial credit application. If your credit application for financing is approved, we will provide the exact terms of your loan, including rate, term, monthly payment and total amount financed.

That’s super easy. You’ll get an email from DocuSign with your loan contract that you’ll sign electronically. You’ll have the opportunity to download a copy of your signed contract.

GM Financial will take care of sending the funds directly to Ultium Home for your product(s) and to the installation provider, if applicable. You don’t have to worry about funds being sent to you; we do all the work.

If your credit application is approved and you complete your loan contract, you’ll get a welcome letter in the mail with all the information you need, including your account number, first payment due date and how to manage your account online. Generally, the first payment is due 30 days after the loan is funded.