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  GM Financial

GM Financial

in Auto Loans from General Motors Financial Company, Inc.

Unaffiliated

GM Financial

Unaffiliated

in Auto Loans from General Motors Financial Company, Inc.

SuperMoney Net Recommendation Score -67%

SUPERMONEY NET RECOMMENDATION SCORE

-67%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Strongly not recommended

7 users recommend
2 users are unsure
39 users don't recommend
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Highlights
Community Rating Strongly not recommended
Credit Score Range 550 - 850
Loan Amount $7,500 - $125,000
APR  (Fixed APR) 1.9% - 19.9%
Loan Term (Months) Up to 72 months
Number of Reviews 48

GM Financial Review

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About GM Financial

Message From Our Editor

What we love about GM Financial

GM Financial offers financing and leasing options for GM vehicles in all fifty states of the United States as well as in other parts of the world. You can get pre-qualified for a loan online, meaning you can get an idea of what you can afford before setting foot on a dealership lot. The company is also flexible when it comes to approving leases, which can make it easier to lease a car. You can choose from multiple loan repayment options so you can customize your monthly payment to fit your budget.

What could GM Financial do better?

GM Financial has a few noteworthy flaws. For example, you can only work with GM’s network of dealers, which means your choice of vehicle will be limited. You’ll also be limited in how much you can shop around, which could affect how much you wind up paying for your car. Much of the time, the company also fails to offer the best interest rates, meaning you can save by financing with a different company. GM Financial also has a reputation for poor customer service, which can be a concern if you wind up needing assistance with your loan.

GM Financial also doesn’t approve loans for pre-owned vehicles, so you can only use the company if you want to buy a new car.

GM Financial ‘s backstory

GM Financial is the financial subsidiary of General Motors. Founded in 1992 as the AmeriCredit Corporation, the company offers financing across the United States, Canada South America, Europe, and Asia.

The Verdict

If you’re shopping for a new GM, you may want to check your pre-qualified offers from GM Financial to see if you get a good deal, but you can usually get a better interest rate and financing terms from another lender.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Application Fee $0
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered U.S. Permanent Resident
Joint Loan Applications Accepted Cosigner
Maximum Vehicle Age 2
Military Status
  • Active Duty Military
  • Non-Military
Minimum Age 18
Verification Documents Required
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Credit Score Range 550 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Customizable Payment Dates  
Funding Time Range 1 - 7 days
Payment Options
  • Automatic Payments
  • Check by mail
  • Credit/Debit Card
Loan Amount $7,500 - $125,000
APR (Fixed APR) 1.9% - 19.9%
Loan Term Up to 72 months

GM Financial Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-67%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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