GM Financial Reviews

I currently have an auto loan with GM Financial. My income has significantly decreased. I called GM Financial and asked can they lower my payoff amount, they said they cannot. I asked for a reduction for my monthly payment, they could not do that either. Don’t get a loan with them, because if you ever fall on hard times, they will NOT NEGOTIATE any new terms. Even if you receive a letter from the assistant vice president Lisa, stating they will work with you to find a mutually agreeable plan, they will NOT!

Not only did this place not notify of hidden late fees, but they failed to communicate on the fact that there were late fees or even send notification causing a build up and having a car repossessed due to no communication of these fees. This is a horrible company and unless you a company thay hides things from you and fails to communicate. I would go elsewhere with your money.

GM is the WORST I’ve dealt with. My car was totaled out and paid off. They are currently still trying to collect 2 months of car payment that’s was included in the pay off and it’s dinging my credit . That’s real scam likely to me? My car was totaled out in MARCH of this year 2025. HIGHLY DON'T RECOMMEND.

I've made all of my payments on time for the last two years. I ran into some financial trouble because they raised my rent. I will go out of my way. Never to finance a car with General Motors again. They offer no real solution. Well, yeah, there's a solution, but you have to pay the interest all along and there are fees involved. They really need to have a program for people that run into snags. I mean, they are a multimillion dollar company, so why not. I was humming along pretty good until I ran into a problem. Now I'm very angry and they got hundreds, perhaps thousands of dollars in my payments used towards interest. While I am sobbing daily watching my friends go on long trips and thriving, I am at rock bottom. Wonder what the GM shareholders, presidents and executives are doing this weekend with all the money they get.

Worst place I have ever went through for a loan. They are extremely rude and treat you like you're worthless. I had lost my job and was one day late and they repossessed my car. I have 5 kids and one needs a doctor on a regular. I explained I could come up with the money the following week. They didn't care and took the car and said, "Better luck next time." Don't recommend these people at all.

The GM Financial by far the most untrustworthy and scammy lease company I’ve ever dealt with. After returning our leased vehicle with 15,000 fewer miles than allowed, we were shocked to receive a $1,008.99 charge. We’d think returning a car in better-than-expected condition would work in our favor, especially considering the vehicle now holds greater resale value for them with fewer miles. Instead, we were slapped with a charge for a tire supposedly measuring 2/32", a highly questionable and arbitrary claim.

Recently moved from MI to IN. MI does not give us a title if there is a lien. GM Financial has a relocation request form that somehow confirms title for the Indiana BMV. GM ignores me. I have requests the required form 3x. Every 30 days I have to go in and reapply. I have been driving without a license plate and just a paper temp license. Makes me nervous that I will get stopped. And having to keep going back into the BMV takes time away from work. GM takes $ but ignores you.

I leased a Tahoe in 2016. In 2019 the lease was closed and I leased another vehicle. That was closed in 2022. GM Financial in 2024 reported that I was late on 2 years of payments on the Tahoe in 2022-2024. The lease was closed in 2019 in good standing. I have reached out to them twice and all they said was yes there was an internal issue and they are working on it. No timeline and really no help. It is interfering with my credit line from my house. I would never do business with them again. It's their issue but I am paying the price.

Everything was great as far as making payments until this week as it isn't working. Today is my date of payment and their website hasn't been working for the past several days so they won't receive this month's payment. I am planning to buy out my lease from another company.

CREDIT ABUSERS! After 12 years of loyalty, GM financial unfairly dropped my credit score by 100 points due to a fraudulent payment error caused by identity theft. Despite my efforts to resolve the issue immediately, they refused to correct it. Their unethical handling of this situation shows they care more about penalizing customers than fixing their mistakes. Such an awful company to use; never again GM Financial - Ford here I come.

GM Financial is the worse auto finance company out there. The customer service is terrible. Their rates are extremely high. I would not recommend using them for a car loan or any other loan for that matter. Don’t ever get a loan with them. A waste of time.

GM Financial is so horrible to communicate with. I have court documents signed by a judge stating I no longer have a vehicle in my possession. And they do nothing to release the cosigner of the deal. They don’t care about helping anyone and more importantly they do not care about helping veterans. This is the most money hungry company that I have ever encounter. As far as I’m concerned they will never ever get my business again. And I will share my experience with everyone on how they treat people.

I have an on going battle with GM Financial. I had a loan for a Chevy Trail Blazer which I paid off in August 2024. GM Financial by law should have released my title 30 days after I paid my loan in full. I never missed a payment and I paid the loan off 1 year before it was due. So I know I have good credit. It is Now February 2025 and they have not released me from the loan and allowed me to get my title. I have called them twice a month each month since October 2024. I am given a different story each time I call them from their rep. I had to get the Pa. Department of Transportation to help me with this matter. When they called GM Financial the respond was that they could not help Pa Dept. Of Trans. because GM Financial computer system was down. More Excuses!

This is the worst financial company to deal with. I am so frustrated with their customer service for being unable to help and continue telling me that the only way to get anything done is on the website. Well if the site does not answer my question I would think customer service could but did not. I will be changing companies soon and never use GM Financial ever again. Buyer beware. Try to find a better customer-focused company or you will be just as Frustrated with GM Financial.

I am extremely frustrated with GM Financial. I’ve had nothing but issues since I started my loan with them. Despite making my monthly payment on time, as well as an extra principal payment, the extra payment did not reduce my loan balance as expected. It was applied to future payments instead, and when I contacted customer service, they didn’t provide a clear or satisfactory explanation. The customer service team was difficult to reach, and once I did get through, the answers were vague and unhelpful. This has been a frustrating experience, and I feel like I’m paying more than I should be due to mismanagement of my payments. I would not recommend GM Financial to anyone based on my experience. Their billing process and lack of transparency have left me incredibly dissatisfied.”

Once Again GM has messed up my payment. I called in to make a payment with a live agent. She wanted me to do it online. I told her last year when I did that it took multiple payments and not just the one. Today I call in the payment. The customer support person said I could pay it online. I said I had a problem; last year doing that. She assured me it would be fine. I go into the account and make the payment for 649.88, I am familiar with the online website. I have been with GM now for a number of years and nothing but pain!! I selected the box to type in one payment of 649.88 hit pay and it took 1303.26. Tried to delete the payment within 30 seconds and says system down for maintenance, conveniently down when I try to DELETE but had NO ISSUE TAKING IT! HORRIBLE COMPANY!!

I have been with GM Financial for over 2 years. I recently had a hail claim and the damage was repaired by my insurance company. I also had coverage on some accessories including a full matte paint protection film over the entire vehicle. They had to remove this to repair the vehicle and the insurance would only pay to replace the damaged area of the film that was removed. I was informed by the facility that performs the wrap that unfortunately they could not guarantee the clear would matte wrap would match exactly so I chose to not have it done.

I am giving GM Financial a one-star but also Tomball Dodge Chrysler and Jeep for intentionally adding my name as a joint owner on the purchase of an OVERPRICED auto. I was told my son needed a co-signer and the finance company ONLY spoke to him about the financing details, instructions, etc. However, after taking a look a my CR, I see I am the joint owner. After some research, I found out this is the same dealership I had to file a police report on years ago because my sister used my mother's name and SS number to purchase a vehicle. My mother was unaware of this until the invoice came in her name. I called the police and several other agencies to get the car repo and my mother's name taken off and remove this from her credit report!!!!

I’ve been financing my leased vehicle with gm for over 10 years. Never again. They reported me to all credit bureaus for not paying them the car taxes within 30 days. No warning at all - and not once have I ever paid the taxes within 30 days. Always paid them by adding extra to my car payment. Never within 30 days. And I told gm that the amount owed is incorrect and my town is adjusting the bill and they’ll receive a credit. I said once resolved If there’s money owed I will pay in full - they noted their file. I will be looking into taking further legal action to get this looked into/resolved.

I get ripped off in interest every month. I make my payments early, and I make extra payments. If my current amount due is $353.00 and I make that payment and another payment of $385.00, GMF takes the $353.00, puts it all towards interest, and takes $32.00 from my extra payment and puts that towards interest. I make my payments early every month, and I make additional payments. Can someone tell me why they’re taking the same amount from my extra payment out of the current account due and applying it to the interest? GMF owes me quite a bit of money. When my current amount due is $277.00, and I pay that plus another payment of $400.00, why are they putting my entire $277.00 towards interest and telling me that they’re not? Why are they taking money from my extra payments, putting that towards the interest, and telling me they’re not? It’s right there on my statements.

Literally the worst cut throat loan company for financing. I got a kia rio that I was lied to and was told 15k for financing (turned out 2 years later it was for 22k. Cool) so I paid that. It's been a struggle bus dealing with the kia as they are just bad cars. Engine went out after 104k (yes my maintenance is regularly done. Just bad engines you can google it) and I get no help from them at all.

If I could give less than 1 star, I would. GM Financial STOLE over $750 from an insurance check I received. I took my hail damaged Silverado to MY dealership to be repaired right and sent the insurance check from MY insurance company along with the receipt of what I PAID out MY POCKET and GM Financial decided they would reimburse me, not what I paid, but their discretionary amount. Don't finance with GM Financial unless you want to get RIPPED OFF!!!!

I was fresh out of bankruptcy when my car broke down. I went to a GM dealer who sent my loan to GM Financial. They are charging me daily interest. After 13 payments, I've paid over $12k but my balance has only $2k. I called to try to renegotiate the loan as I will never get this paid off at this point and was turned down. If you can only get financed through GM Financial, RUN, do not do it.

On April 19th, I returned our leased Chevy Trax to the Alexandria Chevy Dealership. I explicitly asked the manager handling the task whether he could give me the license plates, upon which he said that he could not do so because it was not protocol. I asked where the license plates would be returned to (i.e, the DMV, or my mother) and he did not know. He told me to sign a paper, and that I could call GM financial to inquire about the license plates. He also said that my mother could return the keys and manual to the original dealership where we leased the car in Scarsdale, NY. Lastly, he said the final itemized bill would be sent to my email with additional details, which I never received. The manager went out to check the car, and noted no noticeable damages, I did not receive a written statement about it.

There are defects on all GM models 2015 to current year. The air compressor will go out first then the transmission after so many miles the warranty goes out right when the problems starts and GM won't help pay for any repairs or replacement.

I've been fighting for the past YEAR with GM Financial to finally release the title for my vehicle Yes the vehicle was paid off a year ago. They are unable and unwilling, after repeated calls, to remove their name as the Lien Holder and send me my title. They will not send a letter stating that the vehicle loan has been paid. I've notified my insurance carrier about this issue so my car insurance policy has been updated. Since my last call, where they were threatened with legal action, have since removed my account from their website. So I can no longer provide my account information.

Sixteen months ago, I leased a Silverado with the expectation that the Park Assist Retrofit sensor, which was promised to be available shortly after my purchase, would be included. However, the part is only now becoming available for installation on my truck. Throughout this time, I've been making monthly payments that account for these features, even though they haven't been present. If the equipment wasn't included in the first place, my payments would have been lower. Despite this discrepancy, GM has stated that they cannot offer any resolution. Why should I continue making payments for features that I haven't received for over 16 months with no option to be credited to my account or anything? This is my 4th GM lease and I won't be coming back.

Totally scammed for $500. Who charges that much for a one working and one retired couple? Now only one retired. The Aiken SC branch charged way too much. There were no additional needed input except for one low salaried W2 and social security which is not taxed in our state. She trumped up and exaggerated facts and lied, even what we felt was like extortion, to charge us more for unnecessary extras. NEVER AGAIN. And I wish there was a way to refund the theft. By the way, we went to a nearby tax preparer and the cost was $50. And they got us a better refund amending HR Block's scam.

What a completely incompetent company. They reported a late payment towards the end of my lease on my credit and it was not even close to late. They also took an extra payment on my last payment and it’s been over 30 days and still no refund. I am done with Chevy.

I often overpay on my auto loan to bring down my principal and pay off the loan quicker. With GM, you have to contact them to ask them to apply it to principal. Most financial agencies automatically do that. Anyway, on my last pmt, I over paid by $900. I made the phone call. They told me it would be taken care of. Two weeks and five phone calls later, still not done. I’m getting the runaround. I don’t think it’s ever going to be properly applied and I just wasted the overpayment. They are incompetent and it’s been nothing but frustrating and stressful. I wouldn’t use them. I can’t wait to pay off this loan early and just be done with them. I will be filing a complaint with my state attorney general's office.