Messaging is a convenient online connection to our Customer Experience team. You can initiate a messaging session by clicking the option in MyAccount online and in the GM Financial Mobile app for Android and iOS. During business hours, you will be connected to someone who can help you get the information you need. At the end of your session, a transcript of the online conversation will be saved for 13 months and available to you in MyAccount. The messaging function is available in MyAccount for mobile and desktop, as well as GM Financial Mobile, for a seamless experience across all platforms.

Go to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS 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 Social Security number.

Keep in mind that while your User ID is not case-sensitive, your Password must be entered exactly as you created it. Watch our brief video for step-by-step directions on how to register for MyAccount.

There are a few things you need to know to manage your account. As a new customer, you can sign up for MyAccount after receiving your welcome letter. Learn more here.

We have several payment options to fit your needs, including the ability to pay online or by mail, phone or credit card. To make a payment or set up auto pay, log in to     
gmfinancial.com/MyAccount or use the GM Financial Mobile app for Android and iOS. Online payments made with a bank account are free. Debit payments may incur a fee. GM Financial does not accept payments made in person.    

Yes, we do! GM Financial Mobile lets you find answers, make payments and manage your account on the go. Download it for free from Google Play™ or the Apple Store™.

You have two options for setting up monthly payments. You can set up auto pay online by logging in to gmfinancial.com/MyAccount  or use GM Financial Mobile. 

Once you enroll, auto pay goes into effect immediately and can be changed or canceled any time through MyAccount.    

Customers (excluding commercial customers) also have the option to sign up for auto pay by mail. Keep in mind that the auto pay mail enrollment process will take approximately one billing cycle to complete.

You can find payoff details by logging in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS. You can also contact our Customer Experience team at 1-800-284-2271.     

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

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.

Log in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS to update your profile settings. By updating your preferences, you will be notified when your billing statement is available online. Paperless billing is available to most lease customers.  

To request benefits, you can send GM Financial official military notification that includes your name and active duty date. Any of the following will be accepted:

• A copy of the active duty orders, including but not limited to individual orders or active duty orders
• A letter from your commanding officer on military letterhead
• Some form of official notification

Send the active duty notification to the Military Customer Support team via email, fax or mail. For more information, visit our SCRA page.

MAIL
GM Financial
Attn: Account Services SCRA
P.O. Box 183581
Arlington, TX 76096

OVERNIGHT MAIL
GM Financial
Attn: Account Services SCRA
4000 Embarcadero Drive
Arlington, TX 76014

PHONE NUMBER
Email: MilitaryCustomerSupport@gmfinancial.com
Military Support Team Phone Number: 1-855-719-9693
Fax: 1-877-470-9873

Your security deposit will be returned to you, less any amounts owed under your lease agreement, within 60 days of returning your leased vehicle. 

When you file a petition for bankruptcy, federal law prohibits GM Financial from attempting to collect on an account that existed at the time of filing, absent permission from the Bankruptcy Court. GM Financial will place your account in bankruptcy status. All statements will cease as we are not permitted to send billing statements to customers involved in an active bankruptcy case. Automatic or recurring payments on the account will also cease.

If you have filed for bankruptcy and would like to surrender your vehicle, please call 1-877-203-5538. You will need your account number and your bankruptcy case number.

A Reaffirmation Agreement is an agreement between a creditor and debtor(s) who has filed bankruptcy stating that the debtor(s) will honor the terms of the initial contract initiated with the creditor.

You are not required to sign a Reaffirmation Agreement. However, by executing a Reaffirmation Agreement with GM Financial, you will resume receiving monthly statements on your account, be able to access your account via our website, make payments via that website and be eligible for deferments on your account, once your case has been discharged.

Not all services are available to customers who have been discharged in a bankruptcy case but not reaffirmed their debt with GM Financial. If you wish to reaffirm your debt with GM Financial, a Reaffirmation Agreement must be signed – by you, your attorney and GM Financial – and filed in a timely manner with the Bankruptcy Court. If you are not represented by bankruptcy counsel, the Bankruptcy Court must approve the Reaffirmation Agreement before it is a valid, binding agreement. It is your responsibility to obtain such approval.

GM Financial urges you to discuss your obligations as a debtor in bankruptcy with your bankruptcy attorney. Account terms are not modified in a Reaffirmation Agreement with GM Financial.

Upon the entry of a discharge order in a Chapter 12 or 13 bankruptcy case, GM Financial is prohibited from making collection efforts on any debt that was discharged. Depending on the GM Financial arrangements made under the plan of reorganization approved by the bankruptcy court, GM Financial may be required to release its security interest upon the entry of the discharge. Or, its security interest in the collateral on the account remains and GM Financial retains its state law and contractual rights to protect such interest. You should discuss these alternatives with your bankruptcy attorney.

Customers in bankruptcy will not receive monthly statements, but you do have the option to pay online by logging in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS. You also have the option to pay by phone, pay with cash, or mail in a check or money order. If your account is in a repossession status, you will not be able to pay online.

Please note that GM Financial is not attempting to collect a debt by allowing access to these options.

The standards for wear and use are listed in your lease agreement. Any wear to the vehicle that is not excessive is considered normal. Examples of excess wear and use include, but are not limited to, missing or broken parts, dented or damaged body panels, and cracked or broken glass.    

Learn more about the end of my lease process.

The GM dealership where you leased 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.

You are responsible for any applicable tolls, tickets, property tax or fees assessed during your lease contract. 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.

GM Financial has a lease assumption program that helps facilitate lease transfers. Lease assumptions must meet the following requirements:

• Original and assuming lessees must reside in the same state
• Not attempting to transfer lease from a commercial to a non-commercial account, or vice versa
• Lease is not in the first six months or the last 12 months of the contract and date
• Assuming lessee must meet all of GM Financial’s underwriting and credit guidelines
• The account is current on payments and will remain current through the lease-assumption process
• If a lease is contracted under multiple parties, the lease can be assumed by new lessees as long as all parties agree and sign third-party authorization forms and the new contract

For more information. You may also log in to gmfinancial.com/MyAccount and message our Customer Experience team, or you may call us at 1-800-284-2271.

The standards for wear and use are listed in your lease agreement. Any wear to the vehicle that is not excessive is considered normal. Examples of excess wear and use include, but are not limited to, missing or broken parts, dented or damaged body panels, and cracked or broken glass.    

Safeguarding your personal and financial information is our top priority. You can help protect yourself against identity theft by:

• Monitoring financial account transactions, including your billing statement
• Reviewing your credit report for suspicious activity. Visit annualcreditreport.com to get one free credit report per year. You can also request a credit report from a credit bureau for a fee.
• Protecting your password and using strong passwords or passphrases
• Being careful about what information you share online

Learn more ways to protect your identity online.

Messaging is a convenient online connection to our Customer Experience team. You can initiate a messaging session by clicking the option in MyAccount online and in the GM Financial Mobile app for Android and iOS. During business hours, you will be connected to someone who can help you get the information you need. At the end of your session, a transcript of the online conversation will be saved for 13 months and available to you in MyAccount. The messaging function is available in MyAccount for mobile and desktop, as well as GM Financial Mobile, for a seamless experience across all platforms.

Go to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS 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 Social Security number. 

Keep in mind that while your User ID is not case-sensitive, your Password must be entered exactly as you created it. Watch our brief video for step-by-step directions on how to register for MyAccount.   

Log in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS to access your information or set up 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 Social Security 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 or in the GM Financial Mobile app for Android and iOS.

If you answer your security questions incorrectly five times, your account will be locked for security reasons. To unlock your account, call 1-800-284-2271.

When you log in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS, you'll see an option to "Link Another Account." Choose the option to enter the account number and link it. Personal and business accounts must be managed separately and cannot be linked.    

We have several payment options  to fit your needs, including the ability to pay online or by mail, phone or credit card. To make a payment or set up auto pay, log in to gmfinancial.com/MyAccount or use the GM Financial Mobile app for Android and iOS. Online payments made with a bank account are free. Debit payments may incur a fee. GM Financial does not accept payments made in person.    

Yes, you can make payments or set up auto pay online. Log in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS to view your payment options and get started. Online payments made with a bank account are free. Debit payments may incur a fee. 

Please keep the following information in mind when making payments online:

• The minimum payment you can make online is $10.
• The maximum payment you can make online using a bank account is $50,000.
• The maximum payment you can make using an ATM/debit or credit card is $2,999.99.
• 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 7:30 p.m. CT Monday-Saturday.
• GM Financial cannot cancel a payment once it has been submitted and authorized. Please contact your financial institution to cancel a payment. You can change or cancel future dated ACH payments, or turn off auto pay, by logging in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS.
• You cannot future date a partial payment online.
• GM Financial is not responsible for payment delays.

Any payment made before 5 p.m. CT will post to your account on the day you schedule it (excluding weekends and holidays). Any payment made after 5 p.m. CT will post to your account the following business day (excluding weekends and holidays). The funds will be drafted from your bank account within two business days from the posting date (excluding weekends and holidays). Only payments made from a bank account may be future dated.

GM Financial does not accept post-dated checks. All payments are posted and processed upon receipt.

GM Financial does not offer a grace period. We require 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.

To determine if your account is eligible, please log in to gmfinancial.com/MyAccount and message our Customer Experience team. You can also call us at 1-800-284-2271. For more information, download our payment extension fact sheet.

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 log in to gmfinancial.com/MyAccount and message our Customer Experience team. You can also call us at 1-800-284-2271.

If you are a loan customer, please submit a check with your payment coupon to:

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

Overnight mail:
GM Financial
1820 E. Sky Harbor Circle South, Suite 150
Phoenix, AZ 85034-9700

If you have a lease with us, you can mail a check and your payment coupon to:

Regular mail:
GM Financial
ATTN: GM Financial Lease 
P.O. Box 78143 
Phoenix, AZ 85062-8143

Overnight mail:
GM Financial
ATTN: GM Financial Lease 
1820 E. Sky Harbor Circle South 
Suite 150 
Phoenix, AZ 85034-4875

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 an "Insufficient Funds" transaction.

Yes, you can send your payment overnight via check or money order.

Please send your payment and coupon to:

Overnight mail for retail:
GM Financial
1820 E. Sky Harbor Circle South, Suite 150
Phoenix, AZ 85034-9700

Overnight mail for lease:
GM Financial
ATTN: GM Financial Lease
1820 E. Sky Harbor Circle South
Suite 150
Phoenix, AZ 85034-4875

You have two options for setting up monthly payments. You can set up auto pay online by logging in to gmfinancial.com/MyAccount or use GM Financial Mobile. Once you enroll, auto pay goes into effect immediately and can be changed or canceled any time through MyAccount.

Customers (excluding commercial customers) also have the option to sign up for auto pay by mail. Keep in mind that the auto pay mail enrollment process will take approximately one billing cycle to complete.

Yes. Purchasing and leasing customers can find toll-free automated and agent-assisted numbers on our payment options page. Keep in mind that paying by phone may incur an additional fee.

You can pay online using a bank account or a debit card. To make a payment or set up auto pay, log in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS. Or, learn more about our other payment options.

You can make a payment from a bank account online or by phone. To make a payment or set up auto pay, log in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS. Or, learn more about our other payment options.

You can use a debit card to pay online or by phone. Lease customers may use a debit card to pay online. To make a payment or set up auto pay, log in to GMFinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS. Keep in mind that fees may apply.  

Yes. Whether you’re purchasing or leasing you can pay by credit card through Western Union or Money Gram. Keep in mind that fees may apply.

You have the option to make a cash payment through Western Union or MoneyGram, but keep in mind that fees may apply. Go to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS to get started.

If you would like to pay by money order, please mail it to:

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

Overnight mail:
GM Financial
1820 E. Sky Harbor Circle South, Suite 150
Phoenix, AZ 85034-9700

Lease customers should mail money orders to:

Regular mail:
GM Financial
ATTN: GM Financial Lease 
P.O. Box 78143 
Phoenix, AZ 85062-8143

Overnight mail:
GM Financial
ATTN: GM Financial Lease 
1820 E. Sky Harbor Circle South 
Suite 150 
Phoenix, AZ 85034-4875

Any overage on an account is automatically refunded to the customer within 60 days following date of payoff. To verify an overage on a paid-off account, please log in to gmfinancial.com/MyAccount and message our Customer Experience team. You can also call us at 1-800-284-2271.

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.

Lease customers may have an outstanding balance for all contractual obligations, such as late fees, excessive mileage or excessive wear.

You can find payoff details by logging in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS. You can also contact our Customer Experience team at 1-800-284-2271.

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

You will typically receive a title or lien release, depending on the state the vehicle is titled in, 30 days after your account is paid in full (or earlier as required by state law).

Find your new ride

Enjoy the excitement of a new vehicle by returning your current leased vehicle and finding a new vehicle to lease or buy. Save time at the dealership by applying online now.

Buy your leased vehicle

Do you love your ride so much you don’t want to say goodbye? You can purchase your vehicle at any point during your lease. Visit your dealership to discuss your options.

Return your vehicle

If you just want to turn your vehicle in and don’t want to lease or buy a new GM vehicle, schedule an appointment at your dealership. Before you make a final decision, make sure to check out the latest offers in your area.

Your originating GM dealer is best qualified to assist you with the lease-end process. If you have moved a significant distance since you leased your GM vehicle, or you would like to turn in your vehicle at another GM dealership, please contact GM Financial at 1-866-631-0132. 

Contact your originating GM dealer to assist with obtaining a quote or call GM Financial at 1-866-631-0132. Please have your account number, Social Security number or vehicle identification number (VIN) available to help us quickly locate your account.

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, a 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 personal credit, but not on the guarantor's.

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.

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

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 privacy policy for lease customers.

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.

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.

Yes. Depending on your scheduled termination date, there may be several options available to you. Please contact GM Financial at 1-866-631-0132 or the originating dealership for details.

If you elect to return your leased vehicle and have exceeded the allowed mileage in your lease agreement, you will be charged for the additional miles. These charges are detailed in your lease agreement.    

If you turn in your lease vehicle, you are responsible for any excess wear-and-use charges, remaining payments, excess mileage charges, fees, taxes and/or citations.    

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 log in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS to find important account information. 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 letter, as well as the last four digits of your Social Security number.

Log in to gmfinancial.com/MyAccount or the GM Financial Mobile app for Android and iOS to update your profile settings. By updating your preferences, you will be notified when your billing statement is available online. Paperless billing is available to most lease customers.

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

Only individuals on the contract can be added to the title. For further assistance, please contact our Customer Experience team at 1-800-284-2271.

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 our Customer Experience team at 1-800-284-2271.

To submit a request for copies of your car title and/or lien letter, go to getmycartitle.com and follow the on-screen steps. Fees may apply. For step-by-step directions, download our Where's My Title fact sheet.