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Frequently Asked Questions

Thank you for visiting GM Financial. Here is the list of the most commonly asked questions. If you don't find the information you need here, please contact Customer Experience.

Most Common Questions

When it comes to paying your bill, you have a variety of options. These include:

  • Commercial MyAccount: Paying online with a bank account is free, but debit card payments may have a fee. You can also set up Auto Pay by visiting MyAccount.
  • Phone: Calling us to pay by phone. These payments may include an additional fee.
  • Mail: Sending a check or money order. For addresses, visit the payment options page and enter the appropriate account and financing type. Then select mail as the payment method.

Visit the payment options page to see other ways you can pay.

You can find payoff details by logging in to Commercial MyAccount and requesting a quote from the Dashboard.

Lease

You are responsible for any applicable tolls, tickets, property tax or fees assessed during your leasing period. If we receive an invoice for these charges, it will be forwarded to your address on file. If an additional notice is received for the same invoice, we’ll pay the invoice and add the charges to your monthly billing statement. If you don’t receive a monthly billing statement, you’ll receive an off-cycle bill for the applicable fees.

Both a co-lessee and a guarantor sign a contract that says they will assume financial responsibility for the vehicle(s) if the business is unable to pay. However, the co-lessee’s name will be listed on the contract, while a guarantor's will not. The account will also be recorded on the co-lessee’s credit, but not on the guarantor's credit.

General

You can see how many payments you have remaining by logging in to Commercial MyAccount and selecting the Payment Progress section.

You can get a history of payments submitted online by logging in to Commercial MyAccount. For payments submitted via other channels like phone, mail, etc., contact Customer Experience.

You can request a due date change by contacting Customer Experience. The account must meet certain eligibility requirements.

The easiest way to do this is to log in to Commercial MyAccount and update your profile information.

To combine your billing statements into one monthly statement, please contact us.

Although terms vary between contracts, statements are mailed 20 days before the due date. If you haven’t received your statement by mail, you can refer to your contract for payment details or contact us for further information. 

Online MyAccount

Visit Commercial MyAccount to register and create your online profile. You’ll need your account number, which can be found on your welcome packet or billing statement, as well your Tax ID number. A verification code will be sent to the email address you provided. 

Once you register a vehicle account, it will be automatically linked to your profile within one to two business days. If you don’t see your account after that time, you’ll need to contact us.

If you’re having trouble logging in, you can request a password reset email by clicking “Forgot Password?” on the Commercial MyAccount page and entering your email address.

Payment Options

When it comes to paying your bill, you have a variety of options. These include:

  • Commercial MyAccount: Paying online with a bank account is free, but debit card payments may have a fee. You can also set up Auto Pay by visiting MyAccount.
  • Phone: Calling us to pay by phone. These payments may include an additional fee.
  • Mail: Sending a check or money order. For addresses, visit the payment options page and enter the appropriate account and financing type. Then select mail as the payment method.

Visit the payment options page to see other ways you can pay.

One-Time Payments

Payment Type

Minimum

Maximum

Card Payment

$10

$2,999.99

Web (ACH)

$10

$50,000

 

Auto Pay

Retail Accounts

Lease Accounts

Minimum

Maximum

Minimum

Maximum

Monthly Payment Amount

$5,000

Monthly Payment Amount

$2,500

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.

If you set up Auto Pay in Commercial MyAccount, log in and select “Manage Auto Pay,” then “Delete Auto Pay” on the dashboard.

If you set up payments by sending in the Automatic Payment Plan Agreement, contact Commercial Customer Experience to cancel your plan.

Payoff

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.

You can find payoff details by logging in to Commercial MyAccount and requesting a quote from the Dashboard.

Depending on your state, the 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, you must fill out and sign our 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 on how to return the paperwork.

Lease titles can only be assigned to the lessee (the company listed on the lease agreement), GM dealership, financial institution or insurance company. Lease titles cannot be assigned to an individual.

Title and Registration

You will need to go to your state’s driver licensing and vehicle registration office to register. Since each state has its own procedures, we recommend contacting them in advance.

To submit a request for a copy of your car title (lease customers only) or lien satisfaction letter (retail customers only), go to getmycartitle.com/gmfinancial, then follow the on-screen steps. Fees may apply. You’ll need to enter your vehicle identification number (VIN) and the state where the vehicle is titled. You can also enter your GM Financial account number if available.

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