GMC FINANCING

GMC Financing, the financial services arm of General Motors, provides financing options and guides you to secure the GMC vehicle you’ve always wished to own. GMC Financing is headquartered in Texas and has a strong presence in the United States, Latin America, Canada, China, and other regions.

Can a low-interest loan, a flexible lease, or a customized payment plan be obtained with GMC Finance? Here, we look at the different financing options GMC Financing offers according to individual financial situation.

GMC Financing Options

The two main ways you can consider GMC Financing are by either buying or leasing GMC. Here, we explore how you can go about with the main GMC Financing options.

Buying a GMC

Firstly, you must familiarize yourself with the rates and terms for buying from a dealer. Similarly, you must know and research the monthly payment using an auto loan calculator.

For instance, this will provide you with GMC finance deals and offers, such as low or 0.00% APR financing or cash-back offers. However, GMC insists on a credit score of 620 or above for financing with GMC.

Leasing a GMC

GMC offers a variety of lease deals that mostly come with a $0 security deposit. However, you might need to pay while signing the lease agreement. Therefore, if you are leasing a GMC, you can choose a 24 to 48-month lease term and 10,000 to 15,000 miles per year in mileage. Consequently, you can either return the vehicle or purchase it for the price determined at signing.

Therefore, leasing a GMC will let you drive different cars every few years. However, you must consider the costs before considering leasing a GMC.

Best GMC Financing Deals

This table lists the best Buick and GMC financing deals available. The rates are as low as 0.9% for qualified buyers.

GMC Financing: Pros and Cons

GMC Financing in Detail

GMC extends several special offers to eligible individuals, many of which can be combined for added savings. Therefore, the GMC finance deals are structured affordably.

• GM Family First

This program provides employee discounts to qualifying GM employees and their family members.

• Supplier Discount

Like the Family First offer, this discount is available to eligible employees of GM supplier companies.

• GMC Loyalty

Certain dealerships offer a discount, often $750, for current GMC owners or lessees. However, this loyalty discount may not be combined with other special offers.

• First Responders

Qualifying first responders can enjoy a $500 discount on select Chevrolet, Buick, and GMC models or a $1,000 discount on select Cadillac vehicles.

• Military

Eligible military personnel can benefit from a $500 discount on select Chevrolet, Buick, and GMC models or a $1,000 discount on select Cadillac vehicles.

• Educators

School employees are eligible for a $500 discount on select Chevrolet and Cadillac vehicles.

• College Grads

College students, recent graduates, and graduate students can qualify for a $500 discount on select Chevrolet vehicles.

 Certified pre-owned vehicles

The GMC Certified Pre-Owned (CPO) vehicles undergo a rigorous 172-point inspection process and are reconditioned to adhere to factory specifications. This ensures that you get a GMC vehicle in good condition.

A certified pre-owned vehicle offered by GMC comes with the following benefits.

• GMC Certified Pre-Owned vehicle undergoes stringent inspection process.
• GMC CPO vehicles are reconditioned to adhere to factory specifications.
• Every GMC CPO vehicle has a 12-month/12,000-mile bumper-to-bumper warranty and a 6-year/100,000-mile powertrain warranty.
• These vehicles include roadside assistance and support during unexpected situations on the road.

How to Apply for Financing through GMC

You might need to follow several processes if you are applying for financing through GMC. GMC Finance lets you initiate an online pre-qualification process before visiting a dealership. However, to begin the process, you must prepare the following information.

• Your preferred vehicle selection.
• Your chosen dealership.
• Personal details, including your name, date of birth, and Social Security number.
• Information about your residence.
• Details about your income.

While the pre-qualification step won’t affect the credit score, a credit inquiry is necessary to complete the process. Therefore, there is a minor decrease in the credit score.

GMC Financing Comparison

Here is a table comparing the terms of a GMC auto loan with those from Ford and LightStream: