If you have been impacted by the federal government shutdown and need to discuss options that vary from your scheduled due date, please contact our Customer Experience team by logging on to gmfinancial.com/MyAccount or by phone at 1-800-284-2271.

Payments FAQ

Payments

No, GM Financial (formerly known as "AmeriCredit") does not recognize post-dated checks. All payments are posted and processed upon receipt.

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No, at this time Online Bill Payment is only available to residents of the United States. We apologize for any inconvenience this may cause. Please call Customer Service at 1-800-284-2271 to inquire about other convenient payment options.

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You will need to check with your Paymaster or inquire directly with Fort Knox Bank at 1-800-765-2110 to obtain the information necessary to track your missing payment.

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Payments cannot be deducted automatically from a bank account if you are involved in an active bankruptcy case, as any attempt by GM Financial to do so could be construed as an attempt to collect a debt in violation of certain federal laws. If you were on an automatic payment plan prior to filing bankruptcy, such plan will automatically be stopped upon GM Financial's receipt of notification of the bankruptcy filing.

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You may e-mail GM Financial Customer Service by selecting the Contact Us link at gmfinancial.com or by calling the Customer Service Department at 1-800-284-2271 . You may also contact your financial institution.

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More than one payment may be made per business day as long as the amounts are different. Any payments made after 7:30 p.m. Central Standard time will post to your account the following business day.

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Any overage on an account is refunded to the customer 30 days following date of payoff.

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This information is available to online members on the MyAccount page of our website or you may contact Customer Service at 1-800-284-2271 .

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If you are a GM Financial vendor, the accepted payment terms are Net 30.

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You may send a payment via regular mail, overnight mail or over the phone. You can also make a payment online - www.gmfinancial.com.

To make a payment via phone, please call 1-877-203-5538 (a Western Union fee applies).

To mail a payment, please send it to:
GM Financial P.O. Box 78143
Phoenix, AZ 85062-8143

To overnight a payment, please send it to:
GM Financial
1820 E. Sky Harbor Circle South
Phoenix AZ 85034

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GM Financial does not accept payments made in person. You may make a payment via telephone at 1-800-284-2271 (a Western Union fee applies). Or you may also mail your payment to the following address:

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

For other payment options visit the Make a Payment page on our website.

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Yes, if your payment does not clear the first time, it will be submitted a second time, provided your financial institution will allow it. If the second attempt to draw funds fails, it will be considered as an Insufficient Funds transaction.

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At this time, GM Financial can only accept a payment online for the current date.

Currently, if you'd like your payments automatically deducted from your account each month, our Automatic Payment Plan can help. Visit our Payment Options section for more information.

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Please contact a Customer Service Representative at 1-800-284-2271 for assistance during the following hours:

Monday -Thursday: 7 a.m. - 8 p.m. Central Standard Time
Friday: 7 a.m. - 7 p.m. Central Standard Time
Saturday: 7 a.m. - 4 p.m. Central Standard Time

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Simply go to our Online Bill Payment service in the Make A Payment section and enter the required information and submit your payment with the click of a mouse. You'll need to have the following information ready to make your payment: Payment Amount, 9-digit Bank Routing Number, Bank Account Number.

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Please review your contract documents. Your first payment generally is due 30 days from the date your contract is executed. You will receive a billing statement approximately 14 days before your due date. Regular payments can be mailed to:

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

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Yes, you can send your payment overnight. If you are sending it by U.S. Postal Service Overnight Mail, please send it to the address on your statement. If you do not have your statement, you can get a temporary coupon online by visiting the MyAccount section of our website. Send your payment with the coupon to the following address:

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

Please be sure to include your account number on your check or money order. If you have not received your monthly statement, you may want to check your address to see if it needs to be updated. This address can also be used for overnight payments sent via the post office. Payments sent by other overnight carriers should be addressed to:

If you have received your monthly billing statement, please send your payment to the address shown on the payment stub. If you do not have your monthly billing statement, you can print a temporary payment coupon by logging in to the MyAccount section of our website.
Canadian customers should send their payments to:

PO Box 4294
Postal Station A
Toronto, ON
M5W 5X7

Canadian customers should send their overnight payments to:

GM Financial
Canada Overnight
Attn: Payment Services
4001 Embarcadero Dr.
Arlington, TX 76014

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Yes. GM Financial offers a free Automatic Payment Plan service to qualified customers. To enroll visit our Make A Payment page and click on Pay Automatically to obtain details and an enrollment form.

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Upon the filing of a petition for bankruptcy, AmeriCredit/GM Financial is prohibited by certain federal laws from making any attempt to collect on an account which existed at the time of such filing, absent permission from the Bankruptcy Court. GM Financial will place any account on which one or more persons on the account has filed a bankruptcy petition in bankruptcy status. All statements on the account will cease. All automatic payment plans on the account will also cease. You should contact your attorney to discuss your obligations as a debtor in bankruptcy.

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GM Financial offers various ways for our customers to pay their bill, which includes credit card payments through Western Union. Please visit our Web site for payment options.

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You will be able to make a payment online 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, please contact a Customer Service Representative at 1-800-766-2271 during the hours below for assistance.

Monday - Thursday: 8 a.m. - 8 p.m. Central Standard time
Friday: 8 a.m. - 5 p.m. Central Standard time
Saturday: 8 a.m. - 12 p.m. Central Standard time

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At this time, GM Financial can only accept a payment made on today's date. We are working hard to make a future-date option available for Online Bill Payment. Please check back soon for this enhancement.

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GM Financial does offer an Automatic Payment Plan. You may print the application form for this service by visiting the Pay Automatically icon at www.gmfinancial.com, or you may call and request this form from Customer Service at 1-800-284-2271 . The process will take approximately 3 weeks to complete.

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Any payment made before 5 p.m. Central Standard time will post to your account that same day (excluding weekends and holidays). Any payment made after 5 p.m. Central Standard time will post to your account the following business day (excluding weekends and holidays). The funds will be drafted from your bank account within 2 business days from the posting date (excluding weekends and holidays).

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Please keep the following information in mind when using the Online Bill Payment service:

  • Only personal checking accounts can be used.
  • The minimum payment you can make online is $10.
  • The maximum payment you can make online is $2500.

To ensure on-time payment, please allow up to two business days for payments to post to your account (excluding weekends and bank holidays).
If your account is past due, collection efforts may continue until your account reflects the posted payment.
We are unable to cancel a payment once the payment is 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.
Future-dated payments are not accepted.

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A Western Union fee may apply for the Online Bill Payment service.

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You may request to have your payment history sent to you by calling our Customer Service department at 1-800-284-2271 or you can e-mail us at .

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If you have received your monthly billing statement, please send your payment to the address shown on your billing statement. If you do not have your statement, you can mail payment to:

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

Overnight payments can be sent to:
GM Financial
1820 E. Sky Harbor Circle South
Phoenix, AZ 85034-9700
Please note your account number on your check, money order or cashier's check.

Canada Regular Mail

AmeriCredit
P.O. Box 4294
Postal Station A
Toronto, ON M5W 5X7

Canada Overnight

AmeriCredit
Attn: Payment Services
4001 Embarcadero Drive
Arlington, TX 76014

Payment address information is also available by visiting our Make A Payment page and clicking Pay By Mail.

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You have three options to get your payment to us today: Western Union Quick Collect® (Western Union fee applies), via check-by-phone if you have a checking account (a Western Union fee applies), or by logging on to www.gmfinancial.com to make an online payment (a Western Union fee may apply).
To make a payment through Western Union, visit our Make A Payment page and select the option that fits your needs.
To make a payment via telephone, call us toll-free at 1-800-766-2271 . Phone payments made by 5 p.m. Central Standard time, can be posted the same day. Please have your bank account number and check routing number available when you call.
To make a payment via the website, log on to www.gmfinancial.com. *

* Registration is required for this service.

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GM Financial currently accepts payments for U.S. accounts over the telephone if you have a checking account. To make a payment via phone, call us toll-free at 1-800-284-2271 . Please have your bank account number and check routing number available when you call (a Western Union fee applies).

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To request that your account be reviewed for due date change eligibility, you may contact our Customer Service department at 1-800-284-2271 or send us an e-mail at .

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No, GM Financial does not offer a grace period. GM Financial requires that all payments be made by the due date listed on your statement. Interest charges and possible late fees will accrue and be applied to your account each day it is past due according to your contract. If you have additional questions, you may contact our Customer Service department at 1-800-284-2271 or send us an e-mail at .

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Currently GM Financial does not have any programs available that would allow you to reduce your payment amount or interest rate.

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