GM Financial — Your Path to Financing Your Next Car

Your new car in the driveway in simple steps with GM Financial.

For buyers of GM vehicles like the Chevrolet Silverado, GMC Terrain, Buick Encore, or Cadillac XT5, traditional bank financing through institutions such as Wells Fargo, U.S. Bank, or Chase remains a widely trusted option. These banks offer fixed or variable-rate auto loans with predictable terms, often with the added bonus of relationship-based discounts for current checking or savings account holders. Applying online or in-branch before visiting the dealership lets GM shoppers arrive pre-approved, giving them more leverage when discussing price and financing options. 

GM Financial is the exclusive lending provider for Chevrolet, GMC, Buick, and Cadillac vehicles, offering customized financing solutions designed to integrate directly into the GM vehicle buying experience. Whether you’re leasing a Chevy Equinox, financing a new GMC Sierra, or purchasing a certified pre-owned Buick Enclave, GM Financial provides competitive APR offers, extended loan terms, and promotional incentives like 0% APR or cash allowances on select models. You can apply right at the dealership and receive fast approvals. GM Financial offers benefits such as auto-pay, online account access, no prepayment penalties, and exclusive loyalty programs for returning GM customers. The platform also includes protection products like GAP coverage and extended warranties, making it the go-to financing partner for GM drivers in the U.S.

For U.S. consumers seeking a digital-first experience, platforms like Capital One Auto Navigator, Carvana, and LightStream offer online prequalification, rate comparisons, and even next-day funding. These tools are particularly helpful if you’re buying a used GM vehicle from a third-party seller or want to secure financing before heading to a Chevrolet or Buick dealership. While not affiliated with GM directly, these platforms give buyers the ability to explore loan terms, budget monthly payments, and submit applications from the comfort of home. 

If you’re purchasing an older or non-certified GM model—like a classic Chevy Camaro or a well-loved GMC Yukon—an unsecured personal loan may be an option. These loans don’t tie the vehicle to the loan as collateral, which allows for ownership free and clear from day one. While this option typically comes with higher interest rates compared to GM Financial’s secured auto loans, it can be useful for buyers with strong credit who are looking for quick approval and flexibility in how they use the loan. 

Some U.S. used car lots offer Buy Here Pay Here (BHPH) financing for GM models, especially older Chevrolets or Buicks. These arrangements allow you to finance and pay the dealer directly—often with no credit check. While this may seem appealing if you have poor or limited credit history, the trade-offs are significant: extremely high interest rates, tight repayment timelines, and little recourse if you miss a payment. Instead of taking this high-risk route, consumers should first explore GM Financial’s flexible credit programs, which may be available through participating GM dealers.