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Business Customer FAQ

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.

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Most Common Questions

How many payments do I have left?

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

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

Can I get an account summary that shows my payment history?

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

How do I change my due date?

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

How can I change my address with GM Financial?

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 Service at 1-800-369-5212.

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

How do I get all of my accounts on to one billing statement?

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

I recently filed bankruptcy. How will this affect my account?

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

Bankruptcy

What is reaffirmation and how does it affect me?

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

My bankruptcy was recently discharged. How does this affect my GM Financial account?

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

I filed bankruptcy but would like to make a payment. How do I make a payment?

If you have filed bankruptcy, please contact Customer Service 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

How can I dispute my credit reporting information?

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 Service Support
P.O. Box 181145
Arlington, TX 76096-1145

What do you do with my information?

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.

What is simple interest?

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.

How can I find out more about what happens at the end of my lease?

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.

Am I responsible for additional fees on my leased vehicle, such as tolls, tickets, etc.?

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.

How can I transfer my lease?

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

The owner of my business passed away and there is no guarantor for the vehicles. Who takes over the loan or lease?

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

My company has closed. Who takes over the loan or lease?

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

Does my insurance need to be in my name or in the name of my business?

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

The name of my business has changed. How can I update my account?

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

I am no longer affiliated with my business. How can I remove my name/guaranty from the lease?

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

What is the difference between a co-buyer and a personal guarantor?

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

How do I register for an online account?

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.

How do I access my account information online?

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 Service at call 1-800-369-5212.

Loan customers cannot access their information online at this time.

How do I link multiple accounts to MyAccount Profile?

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

What are my 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.

Can I set up recurring payments online?

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 Service at 1-855-501-5563 to enroll in an automatic payment plan.

Are there any online payment restrictions?

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

Why is my account balance different from my payoff balance?

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.

What is my payoff?

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

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

I have paid off my account. When will I get my title?

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

I have not received my first billing statement. What should I do?

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 Service at 1-855-501-5563.

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

Why does my statement say my car is not covered by insurance when I know it is?

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

How do I add or remove someone from my title/registration?

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

I have moved out of state. How do I register my vehicle in my new state?

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 Service 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.

How can I get a copy of my title to register my car?

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.