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Frequent Asked Questions


Q. What types of auto loans do you offer?
A. We currently offer the following types of auto loans:

• Used auto purchases
• Private party purchases
• Refinance

Q. What kind of interest rate can I expect?
A. The interest rate is based on your credit history, but be advised your final rate will depend upon the length of the loan, upon whether it's for a new or used car, and the amount of your down payment.

Q. How long will it take to get my loan?
A. We have one of the shortest applications of any online auto finance Web site, and after screening and routing in our home office, applicants generally hear from a local loan officer within an hour (though, obviously, that depends on the time of day when you apply). Most of our approved customers go from application to new-car-smell in less than 48 hours.

Q. How do I get information about my existing auto loan?
A. You can call (602) 272-0069.

Q. Are there any vehicles that GM Automotive Funding, LLC does not finance?
A. We do not finance the following vehicles:

• Commercial vehicles and/or vehicles for business use
• Conversion or delivery, gray market, lemon law, salvaged, rebuilt or branded title vehicles
• No motorcycles
• Certain vehicles may not be eligible due to make or model elimination.
• No independent dealer purchases

Q. Can I refinance my existing auto loan through this process?
A. No.

Q. In which states is vehicle financing available?
A. Currently, we are only accepting auto loan applications in Arizona.

Q. Must I be a legal citizen to apply for an auto loan?
A. Applicants must be U.S. citizens or Legal Permanent Residents to apply for an auto loan.

Q. Do you make vehicle loans to businesses?
A. We do not offer auto loans for businesses.

Q. Do you charge an application fee or any other fees?
A. No, GM Automotive Funding, LLC does not charge an application fee for auto loans. Document preparation and lien filing fees may apply.

Q. How long will my auto loan offer be good for?
A. All GM Automotive Funding, LLC loan offers are valid for 30 days from approval.

Q. How long is my interest rate valid?
A. Interest rates on approved loans are valid for 30 days from approval.

Q. How do I apply for an auto loan?
A. Simply provide the required information and submit your request.
Click here to apply now

Q. How soon will I know if my auto loan application has been approved?
A. Once you submit your application, one of our representatives will get in touch with you to talk about your loan within 48 hours.

Q. When will I receive the first monthly statement for my vehicle loan?
A. Once your loan is established, your paper statements will be mailed each month 20 days prior to your due date, unless you selected to set up Automatic Payments, in which case you will not receive monthly paper statements.

Q. How can I sign up for Automatic Payment for my vehicle loan?
A. There are multiple ways to sign up for Automatic Payment for your GM Automotive Funding, LLC vehicle loan.

• Log into Online Banking and use the electronic signup process located on the Services tab for your loan.
• Use the paper Automatic Payment signup form included with your Welcome Package. Include a voided check and mail or fax it to the location indicated on the form.
• Print a form from the Online Banking Services tab for your vehicle loan and mail or fax it along with a copy of your voided check to the location indicated on the form.
• For each of the options above, you will receive a letter in the mail within 3-4 weeks confirming the start date for the Automatic Payment to be drafted. Until you receive the confirmation letter, continue to make your payment to avoid any late charges.

Q. How can I get a letter showing the Interest Paid Last Year?
A. Contact Customer Service at (602) 252-0069 and ask for a faxed or mailed copy of your Interest Paid Last Year information.

Q. Can I email my service requests instead of calling?
A. Yes, you may contact GM Automotive Funding, LLC Customer Service via email from within the Online Banking website. Go to the Contact Us page and then type a clear description of your request. You will receive a response within 1 business days.

Q. Where can I get the payoff amount for my vehicle loan in Online Banking?
A. Contact Customer Service at (602) 252-0069

Q. How can I payoff my loan in Online Banking?
A. If your deposit account is with GM Automotive Funding, LLC, you can make a same day payoff using Transfer Funds from a GM Automotive Funding, LLC deposit account to the vehicle loan account.

Q. Once I pay my loan in-full, how long will it take for me to receive proof that the loan is closed and get my title?
A. In most situations you can expect to receive your lien release, paid-in-full letter and title, if the title is available, within 7-10 business days after we receive and process your payoff. If the title is electronic or other conditions apply, our letter will detail the process to obtain the title and ensure that the lien release is properly recorded.



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