Where does GM Financial do business?

GM Financial is based in Fort Worth, TX. It was founded in 1992 and offers auto loans in 50 states (and Washington, DC).

What APR does GM Financial offer on its auto loans?

GM Financial offers auto loans with APRs starting at 1.9% and up to 19.9%. Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccuate information in your credit history with these credit monitoring tools

Does GM Financial charge an origination fee?

Yes, GM Financial may charge a loan origination fee.

Does GM Financial charge a late fee?

Yes, GM Financial charges borrowers with a late payment penatly fee

Does GM Financial charge prepayment fees?

Yes, GM Financial does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.

What do you need to qualify for a loan with GM Financial?

GM Financial requires borrowers to have a credit score of at least 550 to apply.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs

What is the estimated funding time for an auto loan via GM Financial?

GM Financial will typically fund the loan within 7 business days of approval.

Does GM Financial report loan payments to credit bureaus?

GM Financial reports credit data to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

  • Max Loan Term (Months)
  • Institution Type
    Other Institution
  • Credit Score Range
    550 - 850
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
  • Maximum Vehicle Age
  • Military Status
    • Active Duty Military
    • Non-Military
  • Minimum Age
  • Verification Documents Required?
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence
  • Customizable Payment Dates
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Payment Options
    • Automatic Payments
    • Check by mail
    • Credit/Debit Card
  • Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
  • Loan Amount
    $7500 - $125000
  • APR
    1.9% - 19.9%
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