Finance Your GM Vehicle with GM Financial in the U.S.

Ready to Get Started? Don’t wait. Pre-qualify with GM Financial in minutes — no impact on your credit score.

Looking to buy or lease a Chevrolet, GMC, Buick, or Cadillac in the U.S.? GM Financial makes it easier than ever. Whether you’re new to car financing or just want a seamless experience tailored to GM vehicles, this guide shows you how to get started with GM Financial today.

Top Benefits of Using GM Financial:

• ✅ Get pre-qualified with no credit impact
• ✅ Options for all credit tiers – from prime to near-prime
• ✅ Finance or lease directly through your GM dealership
• ✅ Use online tools, digital contracts, and auto-payment features

Who Should Consider GM Financial? If you’re planning to buy a GM-branded vehicle in the U.S. — such as the Chevrolet Equinox, GMC Sierra 1500, Buick Envision, or Cadillac XT5 — GM Financial is the go-to option. It’s ideal for buyers who:

• Want a brand-aligned experience
• Prefer to lease or finance through the dealership
• Need flexible terms and digital convenience

How It Works (Simple Steps):

1. Visit a GM dealership or start online
2. Get pre-qualified through GM Financial
3. Choose your vehicle and financing/leasing plan
4. Sign electronically and drive off

Quick Comparison Table:

Loan Type	APR Estimate*	Credit Score Range	Term Length	Best For
New Car Loan	5.5%–9.9%	670+ (Prime)	36–72 mo	Buyers of new GM vehicles
Lease	Varies (low)	620+	24–48 mo	Short-term drivers
Refinance	Varies	Any (case by case)	24–60 mo	Lowering monthly payment

• Rates depend on location, credit, and dealer promotions.

Pros and Cons of GM Financial:

Pros:

• Seamless integration with GM dealerships
• Offers both lease and loan options
• Soft-pull pre-qualification tool
• Solid support and tools online

Cons:

• May not offer the lowest APRs for subprime borrowers
• Limited to GM-branded vehicles
• Lease terms may vary by state

Special GM Incentives for 2025

Looking to save more? GM Financial frequently offers exclusive manufacturer incentives for select models. These may include:

• Bonus cash offers on vehicles like the Chevrolet Malibu or Buick Encore GX
• Loyalty discounts for returning GM customers
• Low-APR deals or 0% financing on approved credit Ask your dealership about current 2025 promotions — they change monthly and can significantly lower your cost.

Leasing vs. Financing: Which Is Better for You?

Not sure whether to lease or finance your next GM vehicle? Here’s a quick rule of thumb:

• Lease if you prefer lower monthly payments and like upgrading every few years (e.g., Cadillac XT6 or Chevy Blazer).
• Finance if you want long-term ownership and plan to drive the vehicle for years (e.g., GMC Terrain or Chevy Silverado 1500).

Both options are available through GM Financial — and both let you pre-qualify online.

Check your rate now — no credit impact, 100% online!