---
title: "GM Financial Review: Payments, Payoff, Title and Lease-End Rules"
description: "How to pay GM Financial and what each way costs, the no-grace-period rule, when the title arrives after payoff, lease-end charges and its 2022 settlements."
url: "https://baronauto1.com/financing/gm-financial-review/"
type: "article"
published: "2026-10-06"
modified: "2026-10-06"
site: "Baron Auto"
disclaimer: "This site is under new ownership and is not affiliated with Baron Auto Emporium dealership."
---

# GM Financial Review: Payments, Payoff, Title and Lease-End Rules

> How to pay GM Financial and what each way costs, the no-grace-period rule, when the title arrives after payoff, lease-end charges and its 2022 settlements.

*Car Loans & Credit · 22 min read · 4,851 words*

## The short version

- GM Financial is General Motors’ own lender. It began as AmeriCredit in 1992 and GM bought it on 1 October 2010; the licensed company is still AmeriCredit Financial Services, Inc., which “does business as GM Financial and as AmeriCredit” and still makes sub-prime loans through non-GM dealers.
- Paying online from a bank account is free. Its payment options page says phone payments must come from a bank account and be under $3,000, and ACI Payments, Inc. may charge $2.50 or $3.50. GM Financial takes no payments in person.
- There is no grace period. Payments received before 6 p.m. CT post the same day, and extra money goes to future payments unless you choose a principal payment in MyAccount.
- After payoff, GM Financial says the title or lien release goes out within 30 days of your final payment clearing; electronic liens are released about 10 business days after payoff.
- The lease disposition fee is printed in section 4 of your lease, not online. The lease-end invoice arrives up to 30-45 days after the return, and property tax bills can follow for up to 18 months.
- The public record holds two 2022 settlements: a Justice Department consent order over servicemembers’ leases and repossessions ($3,534,171 to servicemembers plus a $65,480 penalty, with no admission) and a Massachusetts assurance ($1,849,182). The CFPB lists no enforcement action against it.

Most people who search “GM Financial” want to log in or pay, so this page starts there: what each way of paying costs, when a payment counts, how to get a payoff and the title, and what a lease return can cost. On 6 October 2026 we read GM Financial’s own pages (FAQ, payment options, payment terms, simple interest, title release, lease end, wear and use, servicemembers, licences and site terms), its [10-K for 2025](https://www.sec.gov/Archives/edgar/data/804269/000080426926000008/acf-20251231.htm) and 10-Q to 30 June 2026, the Justice Department’s 2022 case, the Massachusetts Attorney General’s 2022 settlement and the CFPB’s records. We entered no login or credit application, and this site has no commercial relationship with GM Financial, General Motors or any lender.

**Figure: GM Financial’s payment and lease-end rules, from its own pages**

A two-column table of seven rules on a GM Financial account, each set against what GM Financial’s own pages say: there is no grace period and interest and late fees accrue each day past due; payments received before 6 p.m. CT post the same day (9 p.m. on the last day of the month); phone payments must come from a bank account, be under $3,000 and may carry a $2.50 or $3.50 ACI Payments fee; extra money goes to future payments unless you choose a principal payment; the title or lien release goes out within 30 days of the final payment clearing; the lease-end invoice arrives up to 30-45 days after the return, with property tax bills possible for up to 18 months; and the disposition fee amount is in section 4 of the lease.

Read from GM Financial’s FAQ, payment options, simple-interest, title-release and lease-end pages and its June 2025 disposition-fee article on 6 October 2026. No login or credit application was entered.

## What GM Financial is, and where AmeriCredit fits

GM Financial calls itself “the wholly owned captive finance subsidiary of General Motors,” based in Fort Worth, Texas. A captive lender belongs to a carmaker and helps sell its cars: the 10-K says GM Financial financed 33.3% of GM’s U.S. retail sales in 2025, down from 38.9% in 2024, and 36.1% in the second quarter of 2026. GM pays it to offer cheaper deals through “subvention programs, under which GM provides us cash payments in order for us to be able to provide for lower customer payments.”

The company is older than the GM name. It “was founded as AmeriCredit in September 1992,” and “On October 1, 2010, AmeriCredit Corp. was acquired by General Motors Company and renamed General Motors Financial Company, Inc.” The footer of every GM Financial page still names “AmeriCredit Financial Services, Inc.” as the licensed company, and both government cases below were brought against “AmeriCredit Financial Services, Inc. dba GM Financial.” The brand still lends, too: “We also offer a sub-prime lending product through non-GM-franchised and select independent dealers under the AmeriCredit brand.” An AmeriCredit loan arranged by a non-GM dealer is a GM Financial loan.

Two more names belong to it. Its 10-K names “ACAR Leasing Ltd., as Titling Trust” in its lease financing agreements, and its subsidiary GM Protections, LLC is the obligor on “mechanical service contracts, prepaid maintenance (PPM), guaranteed auto protection (GAP), and excess wear and use (EWU) contracts.” Our [GM extended warranty page](https://baronauto1.com/financing/gm-extended-warranty/) reads that contract.

Most borrowers meet GM Financial through a dealer. The 10-K calls it “primarily an indirect auto finance provider” and says “the dealers retain discretion to obtain financing from us or from another source.” None of the GM Financial pages we read prints a standard APR, so a [pre-approval](https://baronauto1.com/financing/car-loan-preapproval/) from another lender gives you something to compare.

## Paying GM Financial: the methods and what they cost

“Paying online with a bank account is free, but debit payments may have a fee,” the FAQ says, and “In-person payments are not accepted at GM Financial locations.” The [payment options page](https://www.gmfinancial.com/en-us/resources/payment-options.html) fills in the rest. No page we read prints the online debit-card fee.

**Ways to pay a GM Financial account and the fees GM Financial prints, read 6 October 2026**

| Method | Fee printed | What GM Financial’s pages add |
| --- | --- | --- |
| Auto Pay in MyAccount or the app (bank account) | Free | Auto Pay “immediately goes into effect” |
| One-time online payment from a bank account | Free | Minimum $10, maximum $50,000; up to two business days to post |
| Debit card online | “may have a fee” (no amount printed) | A credit card may also be offered in MyAccount |
| Phone, from a bank account | ACI Payments, Inc. “may charge” $2.50 or $3.50 | Under $3,000 only; the fee is a separate debit |
| Auto Debit by mail, email or fax | None printed | At least 10 days to start; cancel at least 5 days before the due date |
| Mail (check or money order with the coupon) | None printed | Payoffs and lease purchases go to a separate Treasury Operations address |
| Western Union or MoneyGram | Charged by them; no amount printed | The option “allows payments to post quickly”; biller is GM Financial for loans, GM Financial Leasing for leases |
| In person | Not accepted |  |

Paying by phone every month for a year would cost $30 at $2.50 or $42 at $3.50, by our arithmetic, against nothing for Auto Pay. GM Financial does not say which call costs which: its Personal tab labels both fee lines “Agent-Assisted” and its Commercial tab labels both “Automated Phone System.” Its pages also disagree on what you can pay with. The payment options page says “Paying your bill by phone requires using your bank account,” while a February 2026 article on the same site says it “accepts payment by phone via bank account or debit card through ACI Payments Inc. or Stripe, both of whom charge a fee.”

MyAccount Auto Pay starts at once; Auto Debit, requested on a form, does not. The FAQ says it “will start 10 days after the request has been processed,” the payment options page that it takes “a minimum of 10 days,” and the lease-end FAQ that enrollment by mail “will take approximately one billing cycle.” Until then, GM Financial says to “make a payment using another method to avoid late fees.” The payment terms let you cancel a recurring payment by phone at least 3 business days before it runs, though GM Financial may want that in writing within 14 days. If a payment does not clear, “it’ll be submitted a second time,” and if it fails again “You may be liable to GM Financial for interest and late fees.”

## Cut-off times, no grace period and where extra money goes

“Payments received before 6 p.m. CT will be posted to your account the same day. On the last day of the month (excluding Sundays), the time is extended to 9 p.m. CT.” Bank drafts “can take up to two business days” to post. There is no cushion: “No, we don’t offer a grace period. We require that all payments be made by the due date listed on your statement. Interest charges and any late fees will accrue and be applied to your account each day it’s past due according to your contract.” No late fee is printed; “Your contract will show you when late fees are assessed.”

The FAQ tells borrowers “your account is a simple interest loan,” and the simple-interest page says “Interest accrues on a daily basis on the unpaid principal balance,” with each payment paying accrued interest first. Paying late means “the final payment can be more than the scheduled payment amount that is listed on your contract.” Auto Pay and Auto Debit stop on their own at maturity, but a bank bill-pay order “may continue unless you cancel” it.

**Paying extra does not automatically cut your balance.** GM Financial’s simple-interest page says its “standard practice is to apply any extra payments received to future due dates,” and ends its payment order with “future due payments.” Its FAQ words this differently, saying leftover funds go to principal once interest and fees are paid. To make sure extra money reduces the loan, use the principal-payment option in MyAccount and “Specify the amount to apply toward your principal balance on the payment screen.”

Accounts that fall well behind are treated differently. The 10-K says interest accrual stops on accounts “more than 60 days delinquent,” in bankruptcy or in repossession, and that their payments “are first applied to any fees due, then to any interest due,” fees before interest. Retail loans are “generally charged off in the month in which the account becomes 120 days contractually delinquent.” Our [repossession guide](https://baronauto1.com/financing/car-repossession/) explains what follows a default.

## Payoff quotes and getting your title

A payoff is not the statement balance. GM Financial says the two can differ “due to interest charges, fees and other items,” and its site terms warn that a displayed balance “could be inaccurate” if a payment or late charge has not posted. A GM Financial article says to select “Request a Payoff” in MyAccount, that “You’ll have to request your payoff for it to show up,” and, as of 2020, that quotes were “only available for retail customers”; lessees ask for a purchase option price instead. Mailed payoffs go to a separate Treasury Operations address.

The [title release page](https://www.gmfinancial.com/en-us/resources/title-release.html) says: “we’ll send the title or lien release to you within 30 days of your final payment clearing, depending on payment method and applicable state laws.” In electronic-title states, liens “are released to the state’s agency about 10 business days after an account is paid in full,” and the state may take longer. Nothing is sent if ownership was transferred or “a second lienholder is disclosed on the title,” and the title may go to the wrong address unless you update it before the final payment.

If more than 30 days pass with no title and you were not told your state releases liens electronically, the page says to order a duplicate at getmycartitle.com/gmfinancial, where “Fees may apply.” Arizona, New York and West Virginia require the lienholder’s permission to re-register a car after a move. Lessees who buy their car complete GM Financial’s Lease Purchase Documents, “including the odometer statement and damage disclosure acknowledgment (depending on state law).” If you plan to pay GM Financial off with a new loan, our guides to [refinancing](https://baronauto1.com/financing/refinance-a-car-loan/) and [negative equity](https://baronauto1.com/financing/negative-equity-car-loan/) cover what to check first.

## Ending a GM Financial lease

The [lease-end page](https://www.gmfinancial.com/en-us/resources/lease-end.html) says “Your lease-end journey happens over the next 12 months”: look ahead 12 to 5 months out, explore your options 4 to 2 months out, prepare for return in the final month, then watch for the Lease-End Liability Invoice. The lease-end FAQ lists three options: return the car and lease or buy a new one, buy the leased car (“at any point during your lease”), or simply turn it in. The leases are closed-end, and the 10-K says the purchase price at maturity “equals the contract residual value determined at origination of the lease, plus any fees and all other amounts owed under the lease.”

The pre-return inspection by OPENLANE Inspections is free and optional, and produces “an itemized condition report.” The page gives two timings for it. Its timeline puts it in “Prepare for Return 1 Month Prior to Lease End,” while the text below says “Completing the inspection two to four months ahead of your lease maturity date gives you time to make any necessary repairs or plan for charges.”

The disposition fee is not printed online. The FAQ calls it “A flat-rate fee, outlined in the lease agreement,” and a June 2025 article says to “check your lease agreement and refer to section 4.” The waiver is worded three ways. The lease-end page says the fee “may be waived” if you buy or lease a new GM vehicle or exercise your purchase option; the FAQ says it “may be waived” if you buy or lease another new GM vehicle and “will not be charged” if you exercise the purchase option; the article says “we’ll waive it.” Excess wear charges get at most a “partial waiver” for another new GM vehicle, but “If you purchase your leased vehicle, you can avoid paying any excess wear and mileage charges.”

- **Extension.** “Lease customers can maintain their lease for one month past the original scheduled lease end” by paying as usual; the extra month adds no miles.
- **Where to return it.** The FAQ says any convenient GM dealer will do; the lease-end FAQ says that after a long move you can use “any participating GM dealership” and should call first.
- **Paperwork.** “Ask the dealer to record the mileage,” and keep the check-in receipt and odometer statement.
- **The invoice.** It arrives “up to 30-45 days after your vehicle has been returned,” with any amount due or refund owed.
- **Taxes.** “Property tax bills can still be received up to 18 months after your lease has ended.”
- **Buying it.** GM Financial says “We do not currently process lease purchase requests through non-GM dealerships,” and lessees in 10 states (Arizona, Arkansas, Colorado, Florida, Hawaii, Kansas, North Carolina, Pennsylvania, South Dakota and Vermont) “can’t purchase their vehicles directly from GM Financial” and must use a GM dealer.
- **Recalls.** Returning a car early because of a recall is processed “as an early termination.”

A lease with at least six months left can be handed to someone else for a $625 transfer fee, paid by the new lessee; our [lease takeover guide](https://baronauto1.com/financing/car-lease-takeover/#gm-financial) reads that program in full, and our [lease buyout guide](https://baronauto1.com/financing/lease-buyout/#fees) covers purchase fees.

## GM Financial’s excess-wear standards

The FAQ says “The standards for wear are listed in your lease agreement,” with examples such as “missing or broken parts, dented or damaged body panels, and cracked or broken glass.” GM Financial’s [wear and use guidelines](https://www.gmfinancial.com/en-us/resources/lease-end/wear-and-use.html) put measurements on it. They are a guide; the lease agreement governs, and holds your mileage allowance.

**GM Financial’s wear and use guidelines, “Good To Go” against “Needs Repair,” read 6 October 2026**

| Area | Normal wear (“Good To Go”) | Excess wear (“Needs Repair”) |
| --- | --- | --- |
| Dings | Fewer than 4 per panel, each under 2 inches | 4 or more per panel, or several of 2 inches or more |
| Dents and scratches | 1 dent of 4 inches or less, or 1 scratch under 6 inches, per panel | A dent over 4 inches or a scratch of 6 inches or more |
| Glass | Cracks under ½ inch across | Cracks of ½ inch or more, or spider cracks |
| Upholstery | Holes of 1/8 inch or less; tears under 1/2 inch; removable stains | Larger holes or tears; permanent stains |
| Tires | Undamaged, at least 4/32-inch tread, the recommended size and speed rating (any brand) | Less than 4/32 inch, mismatched, or not the original size and specification |
| Wheels | Original wheels; scratches or gouges of 3 inches or less | Scratches or gouges over 3 inches |
| Equipment and warnings | Nothing missing or broken; no warning lights | Missing keys or fobs, cracked headlights, mechanical defects, warning lights on |

Measure tread before the inspection: the guide wants at least 4/32 inch on undamaged tires of the original size and speed rating, so a worn or mismatched set can appear on the invoice. Our [lease-or-buy guide](https://baronauto1.com/financing/lease-vs-buy-car/#wear-and-tear) explains wear charges in general.

**Figure: Annotated photograph**

Three numbered callouts over the photograph mark the rear-view mirror, the road ahead and the dashboard, with GM Financial's title-release timing, its no-grace-period rule and what to collect at lease return.

GM Financial’s title-release page, read on 6 October 2026, says the title or lien release goes out within 30 days of the final payment clearing (callout 1); its FAQ says there is no grace period (callout 2); and its lease-end pages say lessees receive a check-in receipt and odometer statement at return, with the lease-end invoice arriving 30 to 45 days after return (callout 3). The photograph is illustrative.

## Insurance, a totaled car, servicemembers and bankruptcy

GM Financial “requires full coverage” on financed cars. For leases it sets bodily injury limits of $100,000/$300,000, property damage of $50,000/$500,000 (or a combined single limit), and collision and comprehensive cover “with a maximum deductible of $1,000.” If a car is totaled and the insurer pays more than you owe, the refund is released “within 15 business days”; GAP claims “typically take four to six weeks to review.” GAP “may not cover additional charges added to the account such as late fees or property tax,” and is “optional and not required to obtain financing.” Our [GAP guide](https://baronauto1.com/financing/gap-insurance/) explains what it covers.

GM Financial’s [SCRA page](https://www.gmfinancial.com/en-us/resources/scra.html) summarises servicemembers’ rights: interest of “no more than 6% per year” on retail contracts opened before active duty, early lease termination “with no penalty” in many cases, and no repossession without a court order for cars financed before service. It says Military Customer Support replies “typically within eight business days” of receiving documentation. The 2022 Justice Department case below concerned these protections.

In bankruptcy, “All statements will cease” and automatic payments stop. If a debt of “$600 or more is canceled,” GM Financial sends a Form 1099-C, which the IRS may treat as income. On credit-report errors, it says “We’re not able to honor requests for goodwill credit adjustments.”

## What GM Financial’s filings say about its borrowers

GM Financial files its own reports with the SEC as General Motors Financial Company, Inc., formerly AmeriCredit Corp. It made $55.9 billion of retail loans and leases in 2025 (by our rounding of $55,881 million), 85.6% of it on new GM vehicles by our arithmetic: $36.3 billion of loans and $19.6 billion of leases. It had 3,194,917 retail contracts outstanding, averaging $23,601, and Texas borrowers held 14.8% of the retail book. The 10-K’s table by FICO score at origination (or “its equivalent” abroad) covers the whole retail book, International segment included:

**GM Financial’s retail finance receivables by FICO score at origination (10-K for 2025; 10-Q to 30 June 2026)**

| Band | 31 Dec 2024 | 31 Dec 2025 | 30 Jun 2026 |
| --- | --- | --- | --- |
| Prime, FICO 680 and above | 76.3% | 74.9% | 74.1% |
| Near-prime, FICO 620 to 679 | 11.8% | 12.3% | 12.5% |
| Sub-prime, FICO below 620 | 11.8% | 12.8% | 13.4% |
| Total retail book | $76.1 billion | $75.4 billion | $76.1 billion |

The mix is drifting toward weaker credit. By our arithmetic, the share below 680 rose from 23.6% to 25.9% in eighteen months; the sub-prime balance grew 7.2% in 2025, to $9.7 billion, while prime shrank 2.8%, and sub-prime reached $10.2 billion by June 2026. Loans made in 2025 were 75.2% prime and 12.7% sub-prime at year end, against 77.7% and 10.9% for the 2024 loans a year earlier. The 10-K says its loss provision rose “primarily due to a shift in the credit mix of loan originations.” GM’s own 10-K measures it by flow: prime loans were 80% of GM Financial’s North American loan originations in 2025 and 81% in 2024.

Losses are rising. Net charge-offs were $963 million in 2025, 1.3% of average retail receivables, up from $853 million and 1.2% in 2024, a 12.9% rise by our arithmetic; of $1,998 million in gross charge-offs, recoveries brought back 51.8%. At the end of 2025, 3.7% of the book was more than 30 days late, 3.8% counting cars in repossession; at 30 June 2026 it was 3.4%, against 2.9% a year earlier, and net charge-offs ran at an annualized 1.4% in the first half. The 10-K’s “effective yield” on retail loans, 9.0% in 2025 and 8.5% in 2024, includes GM’s subvention and is not a rate anyone is quoted; see our [used car loan rates](https://baronauto1.com/financing/used-car-loan-rates/) page.

No filing prints a lease penetration rate. By our arithmetic leases were 35% of 2025 originations, and GM’s 10-K says leased vehicle income was 46% of GM Financial’s revenue. In 2025, 365 thousand leases ended and 96 thousand of those cars came back to GM Financial for remarketing, 26%. The 10-K says return rates stayed below historical levels “as used vehicle prices have generally remained higher than contractual residual values,” and termination gains fell to $586 million from $758 million. Lease originations fell 21.2% in the first half of 2026, by our arithmetic from the earnings release; the 10-Q cites “lower GM sales, lease sales mix, and net capitalized cost.” Electric cars were 21.1% of the lease book’s residual value at the end of 2025, up from 10.0%.

## The public enforcement record

We found two government settlements with GM Financial and read both. On 30 September 2022 the United States sued “AmeriCredit Financial Services, Inc. dba GM Financial” in the Northern District of Texas (case 4:22-cv-00887-P) under the Servicemembers Civil Relief Act. Its [complaint](https://www.justice.gov/crt/media/1249796/dl) alleged that GM Financial unlawfully rejected 14 early lease terminations, failed to process “more than 1,000” others properly, “resulting in overcharges, overpayments, and delayed refunds,” and made 71 repossessions of protected servicemembers’ cars without a court order since 1 January 2015, and that it “provided many of the refunds only after the United States initiated its investigation.” The [Justice Department’s release](https://www.justice.gov/archives/opa/pr/gm-financial-pay-over-35-million-resolve-servicemembers-civil-relief-act-claims) says it began with one soldier: GM Financial approved his termination before a 10-month deployment, then wrote to him overseas demanding “over $15,000.”

The court entered the [consent order](https://www.justice.gov/crt/media/1249851/dl) on 4 October 2022; in it, “GM Financial neither admits nor denies any of the allegations.” It required GM Financial to put $3,534,171 into escrow for servicemembers and pay a $65,480 civil penalty, $3.6 million in all by our arithmetic. Each of the 71 servicemembers whose car was repossessed was due $10,000 plus any lost equity (at least $710,000 together, by our arithmetic); those charged improper lease fees, a refund plus $500 or three times the amount, whichever is larger; and those wrongly denied a termination, refunds plus $5,000 if they returned the car. The order also required credit repair, staff training and SCRA policies, and runs “for a period of four (4) years from its date of entry,” to 4 October 2026 by our arithmetic unless extended; we did not check the docket.

On 7 March 2022 the Massachusetts Attorney General filed an [assurance of discontinuance](https://www.mass.gov/doc/gm-financial-final-aod/download) in Suffolk Superior Court. The office alleged that GM Financial “provided defective pre-sale or post-sale repossession related notices” between 17 July 2013 and 18 July 2014 and “failed to refund to certain consumers interest on unearned premiums” on GAP contracts. GM Financial agreed to pay $1,849,182 into an independent trust; the [release](https://www.mass.gov/news/gm-financial-to-pay-more-than-18-million-relating-to-its-auto-loan-servicing-practices) said more than 2,000 residents might be eligible.

**Public actions involving GM Financial, from the documents read on 6 October 2026**

| Date | Agency | What it concerned | How it ended, in the document’s words |
| --- | --- | --- | --- |
| 7 March 2022 | Massachusetts Attorney General | Alleged defective repossession notices (2013 to 2014) and unpaid interest on GAP refunds | Assurance of discontinuance; $1,849,182 fund |
| 4 October 2022 | U.S. Justice Department | Alleged SCRA violations: 71 repossessions, 14 rejected and more than 1,000 mishandled lease terminations | Consent order; GM Financial “neither admits nor denies”; $3,534,171 plus a $65,480 penalty |
| Ongoing | CFPB | Supervises GM Financial as a “larger participant” in auto finance | No enforcement action listed under GM Financial, AmeriCredit or General Motors |

The CFPB’s enforcement list returned no action with “GM Financial,” “AmeriCredit” or “General Motors” in the title on 6 October 2026. The 10-K says the CFPB supervises GM Financial “as a ‘larger participant’ in the automobile finance market” and puts its reasonably possible legal exposure at “insignificant,” as does the 10-Q to 30 June 2026. Our [Chrysler Capital](https://baronauto1.com/financing/chrysler-capital-review/), [Credit Acceptance](https://baronauto1.com/financing/credit-acceptance-review/) and [Westlake Financial](https://baronauto1.com/financing/westlake-financial-review/) reviews read other lenders’ records the same way.

## CFPB complaints filed against GM Financial

The CFPB’s database holds 9,760 complaints against “General Motors Financial Company, Inc.,” received from April 2012 to 28 September 2026; a search of the company field for “AmeriCredit” matched none. Complaints are unverified reports, and their number grows with a lender’s size: GM Financial had 3,194,917 retail contracts at the end of 2025, before counting leases. They show what people complain about, not how likely a problem is. The CFPB stopped publishing narratives on 30 September 2026, so only counts are used.

Credit reporting is the largest category: 4,741 complaints, 48.6% of the file, by our sum of the CFPB’s three credit-reporting labels. Vehicle loans and leases account for 3,071, or 31.5% (2,084 loans and 985 leases), plus 602 filed before 2017 under the older “Consumer Loan” label. In the vehicle file, managing the loan or lease leads (885), mostly billing problems (547, or 17.8%). Problems at the end of the loan or lease follow (591): 135 about getting the title after payoff (4.4%), 127 about excess mileage, damage or wear fees, 111 about paying off the loan and 106 about early-termination fees. Repossession accounts for 342 (11.1%), and 127 people said a request to lower payments was denied. GM Financial closed 395 vehicle complaints, 12.9%, with monetary or non-monetary relief, and answered 9,749 of all 9,760 on time.

**Complaints against General Motors Financial Company, Inc. in the CFPB database by year received (pulled 6 October 2026; 2026 is partial)**

| Year | Vehicle loan or lease | All products |
| --- | --- | --- |
| 2017 | 129 | 359 |
| 2018 | 378 | 703 |
| 2019 | 260 | 548 |
| 2020 | 315 | 703 |
| 2021 | 287 | 830 |
| 2022 | 253 | 766 |
| 2023 | 263 | 864 |
| 2024 | 328 | 1,217 |
| 2025 | 480 | 1,750 |
| 2026 to 28 September | 378 | 1,355 |

Complaints roughly doubled from 2023 to 2025, and vehicle complaints rose to 1.8 times their 2023 level, by our arithmetic, while the retail book stayed between $75.4 billion and $76.1 billion. A count cannot say whether that reflects more problems, the shift toward weaker credit, or more people using the database.

## If you have a GM Financial account

- **Pay from a bank account online or with Auto Pay.** Both are free; phone payments can cost $2.50 or $3.50 each.
- **Pay before 6 p.m. CT by the due date.** There is no grace period, and interest accrues daily.
- **Cover the gap when starting Auto Debit.** It takes at least 10 days, so pay any bill due before then another way.
- **Mark extra money as principal.** Otherwise it goes to future payments.
- **Request a payoff quote, not the statement balance,** and mail payoffs to the Treasury Operations address.
- **Update your address before the final payment,** then expect the title or lien release within 30 days of it clearing.
- **Book the free pre-return inspection two to four months out,** and find your disposition fee in section 4 of the lease.
- **At turn-in, keep the check-in receipt and odometer statement,** and watch for the invoice and any property tax bill.

## Common questions

### How do I pay GM Financial, and is there a fee?

Through MyAccount online or in the app, by phone, by mail, through Auto Debit, or through Western Union or MoneyGram. Online bank payments and Auto Pay are free. Phone payments may cost $2.50 or $3.50 from ACI Payments, Inc., Western Union and MoneyGram charge their own fees, and online debit payments “may have a fee.” GM Financial does not take payments in person.

### Does GM Financial have a grace period?

No. Its FAQ says “we don’t offer a grace period” and that interest and any late fees accrue each day an account is past due; your contract sets when a late fee is charged. Payments received before 6 p.m. CT post the same day, or before 9 p.m. CT on the last day of the month.

### How long does GM Financial take to send the title after payoff?

Within 30 days of your final payment clearing, depending on payment method and state law, it says; electronic liens are released about 10 business days after payoff. After 30 days with nothing, it says to order a duplicate through getmycartitle.com/gmfinancial, where fees may apply.

### Is GM Financial the same as AmeriCredit?

Yes. General Motors bought AmeriCredit Corp. on 1 October 2010 and renamed it General Motors Financial Company, Inc. Its licensed lending company, AmeriCredit Financial Services, Inc., “does business as GM Financial and as AmeriCredit,” and still makes sub-prime loans through non-GM dealers under the AmeriCredit brand.

### What does GM Financial charge at the end of a lease?

The Lease-End Liability Invoice can include a disposition fee, excess wear and excess miles, and property tax bills can follow for up to 18 months. The disposition fee amount is in section 4 of your lease. GM Financial’s FAQ says it is not charged if you buy the car and may be waived if you lease or buy another new GM vehicle, and buying the car avoids wear and mileage charges.

### Can I refinance a GM Financial loan?

Nothing on GM Financial’s pages stops another lender paying your loan off; request a payoff quote in MyAccount first. Our guides to [refinancing](https://baronauto1.com/financing/refinance-a-car-loan/) and [credit scores](https://baronauto1.com/financing/credit-score-to-buy-a-car/) explain what lenders look at, and our reviews of [Ally](https://baronauto1.com/financing/ally-auto-loan/), [LightStream](https://baronauto1.com/financing/lightstream-auto-loan/), [RateGenius](https://baronauto1.com/financing/rategenius-review/), [Caribou](https://baronauto1.com/financing/caribou-auto-refinance/), [AutoPay](https://baronauto1.com/financing/autopay-refinance/), [Capital One](https://baronauto1.com/financing/capital-one-auto-loan/), [Navy Federal](https://baronauto1.com/financing/navy-federal-auto-loan/) and [Toyota Financial Services](https://baronauto1.com/financing/toyota-financial-services-review/) read each lender’s own terms.

## Sources and further reading

- [CFPB auto loan resources](https://www.consumerfinance.gov/consumer-tools/auto-loans/)
- [CFPB consumer complaint database](https://www.consumerfinance.gov/data-research/consumer-complaints/)
- [12 CFR Part 1013 — Consumer Leasing (Regulation M)](https://www.ecfr.gov/current/title-12/chapter-X/part-1013)
- [CFPB: what is Guaranteed Asset Protection (GAP)?](https://www.consumerfinance.gov/ask-cfpb/what-is-guaranteed-asset-protection-gap-insurance-en-797/)
- [FTC vehicle repossession](https://consumer.ftc.gov/articles/vehicle-repossession)

Recall, complaint and safety-rating figures on this page were retrieved from the federal databases above on August 19, 2026. Federal data changes — re-check any VIN before you rely on it.

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Canonical source: https://baronauto1.com/financing/gm-financial-review/