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Finance Tools

Keys by GM Financial

Unlock a smarter financial future

We know how important your finances are to you, that's why we've put together tips, tools and information to put the KEYS in your hands that will drive your financial future.

What is KEYS by GM Financial?

Whether you're looking for ideas to cut back on spending, save on gas or research a new car, KEYS offers a variety of resources to empower you to make smart decisions. KEYS events are also offered at local communities to teach children, adults and those in need of financial education.

Follow us on Twitter and Facebook to learn more. If you are a community organization interested in learning more about live KEYS training events, contact keys_by_gmfinancial@gmfinancial.com.

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Get Informed

When it comes to your financial future, knowledge is the best tool you have. Use the resources below to get smarter about money management, credit, car buying and more.

Monthly Payment

Monthly Auto Payment Calculator GO TO FULL PAYMENT CALCULATOR


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Loan Amount

How much can you afford to borrow? Calculate below. Help


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Minimum Monthly Payment is $100 Maximum Monthly Payment is $2000
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Minimum Interest Rate is 0.00% Maxiumum Interest Rate is 19.90%

Your loan amount results

Based on the information you entered, your estimated loan amount is:

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Credit Information

Major Credit Bureaus

Up to 90% of top lenders use credit scores when making lending decisions. Each of the following credit bureaus collect information about your financial habits to generate a unique credit report.

Transunion
Experian
Equifax

Budgeting Tools

Dealer Locator

Find a dealer in your area to answer questions and help you get in the driver's seat.

Find a Dealer

Online Credit App

Save time by getting pre-qualified for financing before you head to the dealership.

Apply Now

Car-Buying Resources

Use these resources to estimate your trade-in value, find GM certified vehicles and more.

Kelly Blue Book
NADA
GM Certified

See What It Takes

Ready to get in the driver's seat? These videos show you what you need to get there.


Talk the Talk

Get familiar with some of the key words and phrases you're likely to come across as you navigate money management, auto-financing and vehicle ownership.

View all terms
Acquisition Fee
An administrative fee charged at the start of your lease.
Allowed Mileage
The number of miles you can drive your leased vehicle without paying an extra charge—usually 10,000-15,000 miles per year.
Annual Percentage Rate (APR)
The cost of credit expressed as a yearly rate.
Budget
A plan to help you manage your money, including your income, monthly expenses and savings.
Captive Lender
A company that provides financing to customers of its parent company.
Credit
The money that you can use and then pay back with interest over time.
Credit Bureau
A company that collects information to generate your credit report and calculate a score to help lenders determine your credit risk.
Credit Report
A summary of your credit history, including payment history, open accounts and debt owed.
Credit Score
A three-digit number based on your credit history that helps lenders determine risk.
Creditor
A financing source that offers you credit.
Depreciation Charge
The amount you pay each month to cover your leased vehicle’s projected decline in value from normal use.
Down Payment
The money you provide upfront to reduce the total amount you plan to finance.
Extended Warranty
An optional service contract that goes beyond the standard manufacturer warranty to cover certain repairs or services.
Expected Depreciation
The amount your vehicle is expected to decrease in value from normal use over a period of time.
Finance Charge
The cost of credit, including interest and other fees, expressed as a dollar amount.
Guaranteed Auto Protection (GAP) Insurance
An optional insurance plan that pays the difference between how much you owe on your vehicle and how much your vehicle is worth in the event it is damaged, stolen or destroyed before you have paid off your amount financed.
Gross Capitalized Cost
The agreed-upon price of your leased vehicle, plus the cost of additional items you agree to pay for over the lease term — like prior lease balances, insurance, taxes, fees or optional products such as service contracts. Also known as “Cap Cost.”
Interest
The direct cost of using credit.
Lease
An agreement that allows the customer, or lessee, the right to use the vehicle during a particular period of time in accordance with the terms of the agreement.
Lender
A financing source that makes funds available to you with the expectation of being repaid.
Lien Holder
A creditor whose debt is secured by a right to possess the vehicle if certain terms of the agreement are not met. In auto finance, it generally refers to a financing source that has provided financing to help you purchase the vehicle. If you fail to make scheduled payments, the lien holder may take possession of and sell your vehicle to help pay your debt.
Term
The period of months for which a loan, lease or retail installment contract is written
Trade-In Allowance
The amount a dealership offers you in exchange for the vehicle you trade in which is credited toward the purchase or lease of a different vehicle
Retail Installment Contract
A contract for the sale of a vehicle according to the payment terms and other terms set forth in the contract.
Residual Value
The estimated end-of-term value of your vehicle that is established at the beginning of the lease and is used to calculate monthly lease payments.
Upfront costs
The initial money you pay out of pocket, such as a down payment, registration fees and taxes.
Acquisition Fee
An administrative fee charged at the start of your lease.
Allowed Mileage
The number of miles you can drive your leased vehicle without paying an extra charge—usually 10,000-15,000 miles per year.
Annual Percentage Rate (APR)
The cost of credit expressed as a yearly rate.
Budget
A plan to help you manage your money, including your income, monthly expenses and savings.
Captive Lender
A company that provides financing to customers of its parent company.
Credit
The money that you can use and then pay back with interest over time.
Credit Bureau
A company that collects information to generate your credit report and calculate a score to help lenders determine your credit risk.
Credit Report
A summary of your credit history, including payment history, open accounts and debt owed.
Credit Score
A three-digit number based on your credit history that helps lenders determine risk.
Creditor
A financing source that offers you credit.
Depreciation Charge
The amount you pay each month to cover your leased vehicle’s projected decline in value from normal use.
Down Payment
The money you provide upfront to reduce the total amount you plan to finance.
Extended Warranty
An optional service contract that goes beyond the standard manufacturer warranty to cover certain repairs or services.
Expected Depreciation
The amount your vehicle is expected to decrease in value from normal use over a period of time.
Finance Charge
The cost of credit, including interest and other fees, expressed as a dollar amount.
Guaranteed Auto Protection (GAP) Insurance
An optional insurance plan that pays the difference between how much you owe on your vehicle and how much your vehicle is worth in the event it is damaged, stolen or destroyed before you have paid off your amount financed.
Gross Capitalized Cost
The agreed-upon price of your leased vehicle, plus the cost of additional items you agree to pay for over the lease term — like prior lease balances, insurance, taxes, fees or optional products such as service contracts. Also known as “Cap Cost.”
Interest
The direct cost of using credit.
Lease
An agreement that allows the customer, or lessee, the right to use the vehicle during a particular period of time in accordance with the terms of the agreement.
Lender
A financing source that makes funds available to you with the expectation of being repaid.
Lien Holder
A creditor whose debt is secured by a right to possess the vehicle if certain terms of the agreement are not met. In auto finance, it generally refers to a financing source that has provided financing to help you purchase the vehicle. If you fail to make scheduled payments, the lien holder may take possession of and sell your vehicle to help pay your debt.
Term
The period of months for which a loan, lease or retail installment contract is written
Trade-In Allowance
The amount a dealership offers you in exchange for the vehicle you trade in which is credited toward the purchase or lease of a different vehicle
Retail Installment Contract
A contract for the sale of a vehicle according to the payment terms and other terms set forth in the contract.
Residual Value
The estimated end-of-term value of your vehicle that is established at the beginning of the lease and is used to calculate monthly lease payments.
Upfront costs
The initial money you pay out of pocket, such as a down payment, registration fees and taxes.