You apply in three steps. First, complete our secure online finance application with your basic personal, employment, and income information. Second, our finance specialists submit your profile to our lender network, which includes national banks, regional credit unions, and GM Financial. Third, we contact you with your approved terms, including rate, term length, and estimated monthly payment, so you can shop with a real number in mind.

Most applications take under 10 minutes to complete. You can start the process from home.

Have the following ready before you start:

• A valid driver's license or state-issued photo ID
• Proof of income, such as recent pay stubs, tax returns, or bank statements for self-employed applicants
• Proof of residence, such as a utility bill or lease agreement
• Proof of auto insurance
• Your Social Security number for the credit check
• Trade-in details, including the VIN, mileage, and any existing loan payoff information

Applicants who are self-employed, commission-based, or new to credit may be asked for additional documentation.

Yes. Our finance team regularly structures approvals for first-time buyers, drivers rebuilding credit, and shoppers with a thin credit file. Options that help include a larger down payment, a co-signer, a shorter loan term, or applying your trade-in equity toward the amount financed.

A positive payment history on an auto loan is also one of the more effective ways to strengthen a credit profile over time, which is why we structure terms you can realistically maintain rather than the maximum amount a lender will approve.