Leasing vs. Buying

You have several choices.

1. You can Pre-Qualify Online with our handy form
2. You can visit our dealership and have one of our friendly financing associates help you out in person.
3. You can check online by visiting GM Financial and clicking here.
4. You can call us at (704) 900-2264 and someone will guide you in the right direction.

For specific payment information, visit the Cadillac Auto Loan Calculator. For your benefit, we’ve done a few calculations for your benefit.

The end of your lease term with GM Financial doesn’t have to mean the end of your driving experience in a GM vehicle. Options await as you decide on your next steps in the leasing process. Let GM Financial help guide you through the End-of-Lease process, and find selections that best fit you.

From communicating to you before your term is due, to the turn-in and inspection processes, to your options once your lease has expired, GM Financial is there with you every step of the way.
• Lease-end Options – From getting behind the wheel of a brand new GM vehicle to purchasing your lease, learn what choices you have as your end-of-term date nears.
• Vehicle Inspection – Need to set up a vehicle inspection for your lease but not sure how to start? Not to worry, GM Financial has you covered with a convenient vehicle inspection process.
• Excess Wear and Tear – The vehicle inspection will determine the existence of any billable Excess Wear and Use charges under the standards defined in your lease agreement.

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.

For more information, contact customer service at [email protected] or 8037574503

We have several payment options to fit your needs (and whether they have a fee included):

Account Types:

• Personal
• Business

Financing Types:

• Lease
• Purchase

Payment Methods:

• Online Bank Account
• Online Debit Card (Potential Fee)
• Mail
• Automatic Payments
• Phone (Fee)

AUTOMATED PHONE SYSTEM (TOLL-FREE)
1-866-894-6568
AGENT-ASSISTED (TOLL-FREE)
1-800-284-2271

• Credit Card (Fee)
• Cash (Fee)

Things to Know About Payment Options
Payments made with bank accounts (checking, savings, money market) are free.

• To use a bank account, you will need to know your bank account number.
• Only bank accounts can be used to set up recurring payments.
• The maximum one-time payment you can make online using a bank account is $50,000.
• The maximum recurring payment you can make online using a bank account is$5,000.
• The minimum payment you can make online is $10.
• 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 8:30 p.m. CT Monday-Saturday.
• You can change or cancel future-dated bank account payments or turn off recurring payments by logging in to gmfinancial.com/MyAccount
• More than one payment may be made per business day.
• Powered by Western Union

Go to gmfinancial.com/MyAccount and click “Register Now” 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.

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

• The minimum payment you can make online is $10.
• The maximum one-time 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 8:30 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 recurring payments, by logging in to gmfinancial.com/MyAccount.
• You cannot future date a partial payment online.
• GM Financial is not responsible for payment delays.

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

Purchasing and leasing customers also have the option to sign up for the Automatic Payment Plan service. Keep in mind that the Automatic Payment Plan enrollment process will take approximately one billing cycle to complete.

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 you are eligible to move your due date or to set up a payment arrangement, please contact customer service at 1-800-284-2271 or [email protected].
Lease customers should call 1-800-369-5212 or email [email protected].

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, contact Customer Service at Customer service at 1-800-284-2271 or [email protected].

Lease customers should call 1-800-369-5212 or email [email protected].

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
75 Remittance Drive, Suite 1738
Chicago, IL 60675-1738

Overnight mail:
GM Financial
6400 Main Street, Suite 201
Amherst, NY 14221

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:

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

Lease customers should send the payment and coupon to:

GM Financial
6400 Main Street, Suite 201
Amherst, NY 14221

Yes, you can make a payment from a bank account online or by phone. To make a one-time payment or set up recurring payments, log in to GMFinancial.com/MyAccount and click “Pay Online.” Or, learn more about our other payment options.

Yes, 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 one-time payment or set up recurring payments, log in to GMFinancial.com/MyAccount and click “Pay Online.” 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 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
75 Remittance Drive, Suite 1738
Chicago, IL 60675-1738

Overnight mail:
GM Financial
6400 Main Street, Suite 201
Amherst, NY 14221

Any overage on an account is automatically refunded to the customer within 30 days following date of payoff. To verify an overage on a paid-off account, contact Customer Service at 1-800-284-2271 or [email protected].

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 by contacting Customer Service at 1-800-284-2271.
Lease customers can log in to gmfinancial.com/MyAccount or call Customer Service at 1-800-369-5212.

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).

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

Get pre-qualified for financing by completing our online credit application.

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 lease customer privacy policy.

And for even more frequently asked questions or details about financing through Cadillac, please visit GM Financing with great information on:
target=”_blank”>Payment details
More Lease vs. Buy Information
Cadillac Affordability Calculator
Apply for the BuyPower Card with Attractive Financing Rates & other benefits including 5% Earnings on your first $5,000 in purchases every year, then 2% unlimited Earnings on purchases after that, no annual fee, “no limits,” participation by ALL GM dealerships and more!~

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

Please send active duty notification to the GM Financial Customer Service Support department.

Fax: 1-877-999-7088

U.S. Regular Mail:
GM Financial
Attn: SCRA
P.O. Box 183581
Arlington, TX 76096-3581

U.S. Overnight:
GM Financial
Attn: SCRA
4000 Embarcadero Drive
Arlington, TX 76014