GM Financial
GM Financial is the wholly-owned captive finance subsidiary of General Motors, providing auto loans, leases, and commercial fleet financing for Chevrolet, Buick, GMC, and Cadillac vehicles through GM's dealer network, with $125.5 billion in earning assets and ranking #2 in U.S. auto finance outstandings.
- Company typePrivate
- Founded1992
- HeadquartersFort Worth, United States
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What GM Financial does
GM Financial is the wholly-owned captive finance subsidiary of General Motors Company, providing auto loans, operating leases, and commercial fleet financing for GM vehicles sold through Chevrolet, Buick, GMC, and Cadillac dealerships. Founded in 1992 as AmeriCredit Financial Services and acquired by GM in 2013 for approximately $3.5 billion, the company is headquartered in Fort Worth, Texas, with 5,001-10,000 employees and operations across the United States, Canada, Mexico, Brazil, Chile, Colombia, and Peru. Revenue is generated through interest income on a $125.5 billion earning asset portfolio, lease payments, commercial fleet financing, loan servicing fees, and six asset-backed securitization programs (AMCAR, GMALT, GMCAR, GMREV, GCOLT, GFORT), with $14.2 billion in retail loan and operating lease originations during Q2 2026 and $33.3 billion in available liquidity as of June 30, 2026. GM Financial ranks #2 in U.S. auto finance outstandings behind Toyota Financial Services and is the second-largest captive auto finance company in the country.
The company's technology platform supports retail loan origination, income verification, fraud detection, and digital account management through the MyAccount portal and iOS/Android mobile applications with biometric authentication. GM Financial has integrated AI and automation into its dealer-facing platforms through a partnership with Informed.IQ, enabling instant income verification, automated stipulation clearance, and real-time fraud detection during loan origination. The business model is built on the captive distribution advantage of GM's dealer network, allowing GM Financial to offer promotional financing rates (such as 0% APR and 2.9% APR for 36 months on 2026 models) and integrated vehicle-and-financing incentives that independent lenders cannot replicate. Customer segments include retail consumers, commercial fleet operators, government/municipal clients, and fixed-income investors in its Right Notes and securitization vehicles. Sub-brands include Cadillac Financial and Mode (a mobility financing platform), with adjunct products covering EV financing, extended protection plans, and General Motors Insurance.
In January 2026, the FDIC granted conditional approval for GM Financial Bank to form as a Utah-chartered industrial bank focused on auto lending and deposits, contingent on a 15% tier 1 leverage ratio. The company is showing credit quality deterioration, with delinquency rates rising from 2.9% to 3.4% and annualized net charge-offs rising from 1.1% to 1.3% year-over-year, while Q2 2026 net income of $432 million was down 15% from $510 million in Q2 2025. Geographic restrictions apply in New York City, and the company maintains compliance with CCPA, CFIPA, GDPR, and state-level sales finance and licensing requirements.
GM Financial firmographics
Firmographics- Name
- GM Financial
- Legal name
- General Motors Financial Company, Inc.
- Website
- https://gmfinancial.com
- Company type
- Private
- Founded year
- 1992
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- GM Financial is the wholly-owned captive finance subsidiary of General Motors, providing auto loans, leases, and commercial fleet financing for Chevrolet, Buick, GMC, and Cadillac vehicles through GM's dealer network, with $125.5 billion in earning assets and ranking #2 in U.S. auto finance outstandings.
- Ownership category
- akta.pro rank
GM Financial industry classification
Industry- Product category
- Captive Auto Finance
- NAICS
- Sales Financing (52222), Sales Financing (522220), Passenger Car Leasing (532112)
- SIC
- Finance Lessors (6172), Personal Credit Institutions (6141), Services-Auto Rental & Leasing (No Drivers) (7510), Asset-Backed Securities (6189)
- akta.pro primary industry
- New & Used Auto Purchase Loans (FSAKADAA)
- akta.pro secondary industries
- Leasing & Lease Buyout Financing (FSAKADAC), Fleet & Commercial Vehicle Finance (FSAKADAE), Auto & Vehicle Leasing (Personal Use) (FSAKANAA)
Keywords
Where GM Financial is headquartered
LocationHeadquarters
- HQ city
- Fort Worth
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
GM Financial business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Others
Revenue model
- Retail Auto Loan Interest and Fees: GM Financial originates auto loans to retail consumers purchasing GM vehicles through dealerships. Revenue is generated through interest income on the loan portfolio, origination fees, and servicing fees. The company reported $14.2 billion in retail loan and operating lease originations for Q2 2026.
- Operating Lease Income: GM Financial offers vehicle leasing to consumers and commercial customers. Lease payments contribute to revenue over the lease term, with vehicles returned at lease end.
- Commercial Fleet Financing: GM Financial Fleet provides financing solutions for commercial vehicle fleets, including purchase, lease, municipal lease, and lines of credit for business customers.
- Asset-Backed Securities (Right Notes): GM Financial Right Notes are investment securities backed by auto loan and lease receivables, providing investors with access to returns from the auto finance portfolio. This securitization program is a funding mechanism and a product offered to investors.
- Loan Servicing and Late Fees: Revenue is generated from loan servicing activities including late payment fees, payoff processing, and account management services on the $125.5 billion earning asset portfolio.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | 0% APR promotional financing for eligible GM vehicle buyers |
| Subscription | Monthly | Standard retail financing rates through GM dealerships |
| Transaction based/ take rate | Pay-as-you-go | Commercial fleet and municipal financing terms |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels7 records
GM Financial product offering
Product offeringCore offering
GM Financial is the captive finance subsidiary of General Motors, originating and servicing retail auto loans, operating leases, EV financing, and commercial fleet financing for Chevrolet, Buick, GMC, and Cadillac vehicles. It also runs asset-backed securitization programs (Right Notes) to fund its receivables. Distribution is through GM dealerships nationwide plus direct-to-consumer digital channels (website and mobile app).
Product overview
GM Financial operates as a captive finance subsidiary of General Motors, offering a multi-brand portfolio structured around core auto financing and adjacent services. The primary offering is GM Financial auto loans and leases covering Chevrolet, Buick, GMC, and Cadillac vehicles, with dedicated sub-brands Cadillac Financial and Mode. Customer-facing platforms include GM Financial MyAccount (retail) and Commercial MyAccount (fleet), accessible via web and mobile apps (iOS/Android). The portfolio extends to investment products (Right Notes), commercial fleet financing (purchase, lease, municipal lease, line of credit), EV-specific financing, extended protection products, and General Motors Insurance. The architecture is platform-plus-modules: a unified financing core with specialized products for different customer segments (retail consumers, commercial businesses, Cadillac buyers, EV buyers) and digital self-service tools.
Differentiator
Problem solved
Functional benefit
Brands
- Right Notes: GM Financial Right Notes are convenient online access to investment with no hidden fees or penalties for withdrawal
- GM Financial Right Notes
- GM Financial MyAccount
Products and services
- Retail Auto Loans Retail installment loans for new and used Chevrolet, Buick, GMC, and Cadillac vehicles, originated through GM dealerships and direct online channels with pre-qualification.
- Operating Leases Vehicle leasing programs for retail consumers on GM vehicles, including EV-specific lease offers (e.g., Chevy Equinox EV).
- EV Financing Specialized loan and lease products for electric vehicles such as the Chevy Equinox EV and Chevrolet Bolt EV, supporting GM's electrification strategy.
- GM Financial Fleet / Commercial Financing Commercial fleet financing products including purchase, lease, municipal lease, line of credit, fleet management, and personal guaranty options for business and government customers.
- GM Financial Right Notes Asset-backed investment securities backed by GM Financial auto loan and lease receivables, sold online to qualified investors with no hidden fees or withdrawal penalties.
- Cadillac Financial Dedicated captive finance brand for Cadillac vehicles, offering financing and leasing products tailored to Cadillac buyers.
- Mode Mobility Solution Mobility and financing solution offering an alternative vehicle ownership model through getmode.com.
- Extended Protection Products Vehicle protection products including Vehicle Service Agreements, Guaranteed Asset Protection (GAP), Excess Wear & Use, and Tire & Wheel coverage.
Companies that use GM Financial
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles3 records
GM Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability6 records
Feature5 records
GM Financial partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- FDIC (U.S. Federal Deposit Insurance Corporation)coreThe FDIC granted conditional approval for GM Financial Bank to form as a Utah-chartered industrial bank. This approval moves GM Financial closer to operating its own FDIC-insured depository institution. The bank will focus on auto lending and deposits, and must maintain a 15% tier 1 leverage ratio. The approval expires within 12 months unless extensions are granted.
- Informed.IQcoreGM Financial partnered with Informed.IQ, a document automation provider, to integrate AI and automation into its dealer-facing platforms. The partnership enables instant income verification, automated stipulation clearance, and real-time fraud detection during the loan origination process. This technology integration is part of a broader industry shift toward digitalization in auto lending, with major lenders including Ally Financial and Exeter also adopting Informed.IQ's automation tools.
- Chevrolet, Buick, GMC, Cadillac DealershipscoreGM Financial operates as the exclusive captive finance company for GM dealerships selling Chevrolet, Buick, GMC, and Cadillac vehicles. Financing products including retail loans, leases, and promotional rates are offered exclusively through the dealer network, integrating financing and vehicle sales in a seamless customer experience.
- General Motors (Parent Company)coreGM Financial is the wholly-owned captive finance subsidiary of General Motors. The parent company relationship enables exclusive financing programs, co-marketing initiatives (GM Rewards), integrated vehicle financing incentives, and shared access to GM dealer networks and OEM data.
- General Motors InsuranceminorGM Financial cross-promotes General Motors Insurance products on its website as part of an integrated vehicle ownership financial services ecosystem, offering vehicle protection and insurance products alongside financing.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
GM Financial competitors and assessment
Company assessmentDirect peers
- Ford Motor Credit Company: Wholly-owned captive finance subsidiary of Ford Motor Company, offering retail loans, leases, and dealer financing for Ford and Lincoln vehicles on comparable terms.
- Honda Financial Services: Captive auto finance subsidiary of American Honda, providing retail loans and leases for Honda and Acura vehicles through dealer networks.
- Chrysler Capital (Santander): Preferred finance provider for Chrysler, Dodge, Jeep, and Ram dealers, structured as a captive-like relationship similar to GM Financial's dealer model.
- Toyota Financial Services: Captive finance arm of Toyota Motor, the #1 U.S. auto finance company by outstandings ($103.4B). Directly comparable in scale, captive model, and ABS-backed funding structure.
- Hyundai Capital America: Captive finance arm for Hyundai and Kia, providing retail loans, leases, and dealer financing with a comparable captive-to-OEM distribution structure.
- Nissan Motor Acceptance Corporation: Captive finance subsidiary of Nissan North America, offering retail loans and leases for Nissan and Infiniti vehicles through dealer channels.
- BMW Financial Services: Captive finance arm for BMW, MINI, and Rolls-Royce, providing retail financing and leasing products through luxury-brand dealer networks.
- Volkswagen Financial Services: Captive finance subsidiary serving Volkswagen, Audi, and other VW Group brands, with comparable retail and dealer financing offerings across multiple geographies.
Broad incumbents
- Ally Financial: Major non-captive U.S. auto lender with a sizable direct and dealer-based auto finance portfolio, competing for the same dealer relationships and retail borrowers.
- Capital One Auto Finance: Large U.S. indirect auto lender operating across multiple OEM and dealer networks, overlapping directly with GM Financial's dealer-financed retail book.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
GM Financial social profiles
Digital presenceGM Financial compliance and trust
Trust signalCompliance5 records
GM Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
GM Financial leadership team
Management profileNumber of profiles
Profiles6 records
GM Financial subsidiaries and ownership
Company hierarchySubsidiaries2 records
GM Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
GM Financial M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about GM Financial
What does GM Financial do?
GM Financial is the captive finance subsidiary of General Motors, originating and servicing retail auto loans, operating leases, EV financing, and commercial fleet financing for Chevrolet, Buick, GMC, and Cadillac vehicles. It also runs asset-backed securitization programs (Right Notes) to fund its receivables. Distribution is through GM dealerships nationwide plus direct-to-consumer digital channels (website and mobile app).
Is GM Financial a public or private company?
GM Financial is a private company. It is classified as corporate owned and is currently operating.
When was GM Financial founded?
GM Financial was founded in 1992. It employs 5,001 to 10,000 people.
Where is GM Financial based?
GM Financial is headquartered in Fort Worth, United States, in the North America region.
How does GM Financial make money?
Five revenue lines are on record. Retail Auto Loan Interest and Fees are the primary driver. The others are operating Lease Income, commercial Fleet Financing, asset-Backed Securities (Right Notes) and loan Servicing and Late Fees.
Who are GM Financial's main competitors?
Direct peers on record are Ford Motor Credit Company, Honda Financial Services, Chrysler Capital (Santander), Toyota Financial Services, Hyundai Capital America, Nissan Motor Acceptance Corporation, BMW Financial Services and Volkswagen Financial Services. Broad incumbents are Ally Financial and Capital One Auto Finance.
Does GM Financial have an API?
No public API is recorded for GM Financial.
What industry is GM Financial in?
GM Financial's product category is Captive Auto Finance. Its primary akta.pro industry code is FSAKADAA, New & Used Auto Purchase Loans, with a secondary code of FSAKADAC, Leasing & Lease Buyout Financing. Its NAICS code is 52222 and its SIC code is 6172.