GM Financial payments go to General Motors Financial Company, the captive finance arm of General Motors, and you can pay online, by phone, by mail, or through automatic bank transfers.

GM Financial is the lending company that finances new and used GM vehicles sold through dealerships. If you financed your car through GM Financial rather than a bank or credit union, your monthly payment goes to them. The method you choose affects when the payment posts, whether you pay a fee, and how much control you have over the timing.

Your payment due date and account number appear on your monthly statement or in your online account. You will need one of these to make a payment, along with the amount due. If you have not received a statement or do not know your account number, call GM Financial customer service at 1-888-GM-FINANCIAL (1-888-463-3426) to confirm your details before paying.

Key Takeaways

  • GM Financial accepts payments online through their website, by phone, by mail, or through automatic bank transfers set up in your account.
  • Online and phone payments typically post within one business day, while mailed checks take five to seven business days to clear.
  • Automatic bank transfers (ACH) usually have no fee and are the most reliable way to ensure on-time payment every month.
  • Late payments reported to credit bureaus after 30 days past due, so contact GM Financial immediately if you cannot pay by the due date.

Paying online through the GM Financial website

Log in to your account at gmfinancial.com using your username and password. If you do not have an online account, you can create one by entering your account number and other identifying information. Once logged in, select "Make a Payment" and choose the amount and payment method.

GM Financial accepts debit cards, credit cards, and bank account transfers through their website. Debit and credit card payments process immediately but may carry a fee depending on your card type — check the payment screen before confirming. Bank account transfers (ACH) typically have no fee and post within one business day. Online payments made before 5 p.m. Eastern Time usually post the same business day.

Paying by phone

Call GM Financial at 1-888-463-3426 to make a payment over the phone. A representative will ask for your account number, the payment amount, and your preferred payment method. Phone payments accept debit cards, credit cards, and bank account information.

Payments made before 5 p.m. Eastern Time typically post the same business day. Like online card payments, phone payments by debit or credit card may include a processing fee. Ask the representative about the fee before authorizing the payment. Bank account payments by phone usually have no fee.

Setting up automatic payments

Automatic payments (ACH transfers) pull money directly from your bank account on your due date each month. Set this up in your online account by selecting "Autopay" or "Automatic Payments" and linking your bank account. You will need your routing number and account number from a blank check or your bank's website.

Automatic payments are free, eliminate the risk of forgetting a payment, and post reliably on your due date. You can change or cancel automatic payments anytime through your account, and you can set up a one-time automatic payment if you prefer not to enroll in recurring transfers. If your bank account changes, update your autopay information in your account to prevent failed payments.

Mailing a check or money order

Write a check or money order payable to GM Financial and mail it to the address shown on your statement. Include your account number on the check. Mail takes five to seven business days to arrive and clear, so send payment at least a week before your due date to avoid a late fee.

Mailing is the slowest payment method and carries the risk of lost mail or processing delays. Use this method only if you do not have online access or a bank account for automatic transfers. Keep a copy of the check or money order number for your records.

What happens if you miss a payment

If your payment is not received by the due date, GM Financial charges a late fee (the amount varies by state and loan agreement). After 10 days past due, the late payment may appear on your credit report. After 30 days past due, the payment is reported to credit bureaus and begins to damage your credit score.

If you know you cannot pay by the due date, contact GM Financial immediately. Some borrowers can arrange a deferment, skip a payment, or adjust the due date. The sooner you call, the more options may be available. Waiting until after the payment is late limits your choices and increases the cost.

Paying off your loan early

You can pay off your GM Financial loan at any time without penalty. Make a payment for the full remaining balance through your online account, by phone, or by mail. To find your exact payoff amount, log into your account or call customer service — the payoff includes any interest accrued through the date you plan to pay.

Paying off early saves you money on interest and removes the monthly payment obligation. Some borrowers make extra payments toward principal each month to shorten the loan term. Confirm with GM Financial that extra payments are applied to principal, not held as a credit toward future payments.

Frequently Asked Questions

Can I pay my GM Financial loan through my bank's bill pay system?

Some banks allow you to set up bill pay to GM Financial, but payments may take longer to post and could arrive after your due date. Call your bank to confirm the processing time before using their bill pay system. Paying directly through GM Financial's website or setting up automatic transfers is faster and more reliable.

What if I pay online but the payment does not show up in my account?

Online payments typically post within one business day. If more than one business day has passed and the payment does not appear, log into your account to check the payment status. If the payment shows as pending, wait another business day. If it shows as failed, contact GM Financial to find out why and resubmit payment immediately.

Do I have to pay the full amount due each month?

Your loan agreement specifies the minimum monthly payment. You must pay at least this amount by the due date to avoid a late fee and credit damage. You can pay more than the minimum at any time, and extra payments reduce your principal balance and total interest paid.

Can I change my payment due date?

Contact GM Financial to request a due date change. Some lenders allow one change per year, while others may be more flexible. Explain your reason and ask what dates are available. A due date aligned with your payday can make it easier to pay on time.

What should I do if my payment was returned or rejected?

If an automatic payment or bank transfer fails, GM Financial will notify you. Contact your bank to find out why the payment was rejected — common reasons include insufficient funds, closed account, or incorrect routing number. Update your payment information and resubmit immediately to avoid late fees.