GM Financial Reviews

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.

If all you are ever going to do is pay your bill on time, they are great. I had zero issue for 3 years. But then, my car was sadly damaged in a hail storm. The insurance company gave me the option to sign the check over to the finance company, and they would pay the bill and if there was a balance left over it would be applied to my loan. Or I had the option to sign it over to the auto shop and they just keep the balance. Seemed like a straightforward decision. I called, asked what information they needed in order to pay the shop so I could get my car back. It took about 12 different calls, and numerous reps telling me, or basically threatening me that if everything wasn't done to a T, they would not pay and they would keep the check and I would not get my car back.

We have leased several vehicles through GM Finance for years. Our last leased vehicle we purchased off the lease at the end of June 2023 through GM Mode Financial per GM Finances rules if you want GM Finance. The purchase was seamless and easy. So GM Mode got the hard part of the process right. Unfortunately, it’s the easy part they messed up horribly. There is a license plate questionnaire for vanity plates and whether you want to keep your vanity plates. The vehicle we purchased off the lease had vanity plates and we wanted to keep the vanity plates and responded accordingly. Imagine our surprise when new plates were delivered to us on July 25, 2023. We contacted the DMV and were told GM Mode requested new plates and there was no mention of transferring the current vanity plates. We contacted GM Mode Financial and we’re told it would take 1-2 days for them to figure out what happened and they would get back to us.

In June 2022 my husband's father died and we were told by the TX Judge we could not take possession of any of his property until after probate. We were trying to take over payments on his 2020 GM Colorado. GM wanted us to pay off the truck but we did not want to pay for something we were unable to physically get possession of. 9 months later probate was over and we contacted GM Financial to let them know we have possession of the truck and have the money to send them a check for pay off. My credit union representative spoke to a GM representative by the way. This had to be done on a conference call with my husband's sister because they refused to speak to anyone except the executor of my husband's dad's estate. My credit union rep had to know what they needed from her and she also needed some paperwork from them. Some paperwork was sent to both parties that evening.

23 months ago I'm leasing a Chevy truck. Today I'm looking at trading it in for another 3 year lease. But I'm told it's going to be 660 a month.. As I'm looking to retire soon I can't afford it. Why is GM doing this?!

Gm claimed my mom vehicle was 3 months behind. Gathered all receipts from 2023. Emailed them. Got no response. Now they claiming 3 missed payments in 2021. Emailed those as well. No response. This lady is 80 years old. Has 2 blind children. One in dialysis and these people do not care. We have every receipt with the account numbers on them. Her husband is deceased and passed away in 2019. She has made every payment since. I hope someone is paying attention to these reviews and steps in. What they are doing is illegal. In Louisiana you have to miss 3 or more consecutive payments for repossession. She has only missed one in December 2022.

I paid them a monthly payment. They said it arrived on a weekend. I had mailed it 10 days prior from NJ to Phoenix. An office in Texas said they got it hours after they sent a Repo truck to take my car away. So they not only took my payment but they took the car away. Bank said it can’t help to cancel check sent, so they not only stole the car but they also stole my payment. Recommend to never buy or lease a car from them!

This company will destroy your credit score and refuses to remove the false information they send to the credit bureaus. After the 7 yr limit is reached they will change dates so it stays on till death.

Horrible experience with this so called professional company. I paid my car off and have yet to receive my car title. It's been 2 months and still nothing. Then they informed me that I would have to go to my DMV and pay myself to get the title from them. Absolutely crazy. I would never recommend this company and would warn others to stay clear of them.

Got married in April 2022. It is now March 2023 and they still can’t manage to update my last name. I have done all these ask. Sent the form, sent my proof and EVERY TIME they “never get it”. I have emails which I’m sure are generic that say “this is confirmation we received your request and are working on it” or something like that. Doesn’t matter. They still claim they didn’t receive it and to do it again. I have faxed and emailed everything over and over. I have confirmed the email and fax number. I’m told to do it again and again cause they never get it. So sick of this. It’s ridiculous. I need it to match my insurance and registration. Everywhere else I’ve been able to update my last name. Not here. Honestly give up.

I like to pay a little more and eventually pay early. I just bought my vehicle and specifically told them I want my extra payment to go to principal. They make it near impossible to pay extra. There's not even a place on their site to pay principal. I was told I have to call them every time and request where I want the extra payment to go. They do not like you paying more. I can barely understand them on the phone. I paid extra and now I don't have a bill for another month. They said my extra will go towards the interest next month. Huh? They promised me my extra payment would go to principal. They lied.

Terrible customer service right from the start. I leased a GMC Terrain. Tolerated the car (which was chronically in the shop) and tolerated GM Financial at the same time. After a year (my lease was for 3 yrs) I bought it out and paid it off so that I could get rid of it and them and get a car that actually operates like a new car should. Lesson learned. Hopefully this helps you prevent the same inconvenience.

I ended up in a bad car accident. I was out of a job and on bed rest for 8 months. They refused to work with me. When my payments were caught up they still reported them late for 6 months hurting my credit.

In purchasing the car from GM Financial, I was clear about not wanting a lease with a balloon payment, quality of the car (no unreported accidents and/or issues), an affordable monthly amount, and hidden fees. I purchased the car for approx. $20,000 in 2017. In paying over the years, I continuously questioned why the term amount was not changing yet I was paying almost $600/mth for a 2014 car only worth $20,000. I also found out after purchase that there were issues with the car including active recalls. The car has been steadily declining and the cost continues to be exorbitant.

I have been a loyal, GM and Cadillac customer despite them not having a great lineup at this time. I am going through some unforeseen financial difficulties, which will be resolved quickly, but I need some help. I called GM Financial, hoping that they would be compassionate, however they didn’t care, and I spoke to a very rude lady who was very unhelpful. I can’t wait for my lease to be up so I can invest in a company and a brand that cares about their customers. I’ve had for GM vehicles recently and never missed a payment, but the one time I need help they treated me like a degenerate -goodbye GM whenever I can.

Website is always down so you cannot pay and most of the time you cannot get through to an agent and then they tell you to pay with them which costs $10 or mail it which I do not have a payment stub or envelope from them and that would take up to 10 days to clear which adds daily interest. We are going to explore our options to refinance this.

I had my account set up with them on auto payments. The very last payment switched off auto without me knowing it. Called them and thought I had it sorted out. They said it always does that on the very last payment. Did a credit check and it is on there that my very last auto payment was 60 days late. Was never fixed.