GMC Financing: What To Know in 2025
If you’re in the market for a GMC truck or SUV, there are many ways to finance it. If you have excellent or good credit, you can get low-interest rates from GM Financial or banks and credit unions. With fair or bad credit, compare loans from trustworthy online lenders to find your best rate.
After getting a loan offer, check it against our average GMC monthly payments report to see how it stacks up.
How do your GMC payments compare to the average?
Below you’ll find tables with estimates for average monthly payments for the most popular GMC models. These can help you guess your payments or compare auto loan quotes you already have. Just match your credit score and common GMC model with the payments shown.
Borrowers with excellent credit might have higher payments than those with good or fair credit, mostly because they usually go for shorter car loans to save on interest. This means their monthly payments are more, but their overall loan cost is cheaper.
The monthly payments listed are just estimates. Your actual payment will vary based on things like your down payment, credit score, repayment length, and any deals you get.
The starting MSRPs (manufacturer suggested retail prices) do not include fees or add-ons. We used data from Kelley Blue Book to find fair purchase prices, and data from Experian for typical down payments and rates.
Learn more about how we calculated average monthly GMC payments.
Estimated average monthly payments for new GMCs
| Model | Starting MSRP | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2025 GMC Acadia | $42,900 | $712.16 | $647.11 | $611.17 | $638.97 |
| 2025 GMC Savana | $47,350 | $800.08 | $727.00 | $686.62 | $717.86 |
| 2025 GMC Sierra 1500 | $38,300 | $621.27 | $564.52 | $533.17 | $557.42 |
| 2025 GMC Terrain | $30,000 | $457.28 | $415.51 | $392.43 | $410.29 |
| 2025 GMC Yukon | $66,900 | $1,186.35 | $1,077.99 | $1,018.12 | $1,064.43 |
Estimated average monthly payments for used GMCs
| Model | Fair purchase price | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2019 GMC Acadia | $16,162 | $295.54 | $258.31 | $230.48 | $222.37 |
| 2019 GMC Savana | $16,719 | $309.32 | $270.35 | $241.23 | $232.74 |
| 2019 GMC Sierra 1500 | $20,217 | $395.88 | $346.01 | $308.74 | $297.87 |
| 2019 GMC Terrain | $13,520 | $230.16 | $201.16 | $179.50 | $173.18 |
| 2019 GMC Yukon | $28,155 | $592.31 | $517.70 | $461.93 | $445.67 |
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GMC finance options
If you have fair to excellent credit, you’ll likely find the best rates with GM Financial, a bank, a credit union or an online lender. A loan from a buy here, pay here dealership should be your last resort — explore each of your other options first.
GM Financial
Finding GM financing deals and offers.
If your credit is good enough to qualify, you’ll likely find some of the lowest interest rates and best deals by financing your GMC with GM Financial. GM Financial doesn’t disclose a minimum credit score, but it’s easy to find out whether you’ll likely qualify for a loan by applying for prequalification with GM Financial online.
Financing directly with GMC — also known as manufacturer or captive financing — is convenient. Once you’ve prequalified, you can request a quote from your local GMC dealer and work directly with them to get a loan for your car. Your GM Financial rates will depend on several factors, including your ZIP code, the car model and any special offers or sales events.
GM Financial offers several incentives to finance with them, including special GMC offers, extended warranties and discounts. We’ve outlined some of our favorite benefits of financing with GM Financial below.
GM discount programs
GM Financial offers several discount programs for eligible borrowers. If you fall in any of these categories, you may qualify for a rebate or discount on your new GMC: current and former GM employees and their families, employees of GM suppliers, first responders and members of the military. Offers vary, so check the GM discount programs page for current eligibility requirements and GMC specials.
Promotional interest rates
Depending on the model you’re interested in, you may be able to find GMC financing deals in the form of a discounted annual percentage rate (APR). For instance, as of the writing of this article, GM Financial is offering 0% APR and a cash allowance on 2024 GMC Hummer EV and Sierra EV models for Costco Auto Program qualified borrowers. Some offers often come with deferred monthly payments, meaning you won’t have to make monthly payments for a certain amount of time.
GM certified pre-owned
Certified pre-owned GM cars come with a six-year or 100,000 mile powertrain limited warranty and a 12-month or 12,000 mile limited warranty. They undergo a 172-point inspection and include a free vehicle history report. If you’re not happy with your car, you have three days or 150 miles to exchange it.
Bank and credit union auto loans
You qualify for discounted rates through your bank or credit union.
Banks and credit unions often give lower interest rates to their customers, making it attractive for those seeking financing deals. Ask your bank or credit union about any special offers that can reduce your interest rate. For instance, if you’re a Preferred Rewards member at Bank of America, you can get up to 0.50% off your interest rate on your Bank of America auto loan.
Federal credit unions often offer low interest rates because they’re regulated by the federal government, and APRs are currently capped at 18.00%. Credit unions sometimes offer car-buying services, which can help you find a loan with a discounted interest rate.
Applying for a loan at a bank or credit union is easy. You can prequalify with a soft credit check that won’t affect your credit and lets you see possible loan terms. Getting preapproved for a car loan is more detailed, using a hard credit check that could slightly lower your score, but gives you specific offers.
Online auto loans
Comparing several loan offers in order to find the best rate.
To get the best rate on a car loan, shop around. People with fair or bad credit are more likely to get a car loan from an online lender than from a bank or GM Financial.
Shopping around doesn’t have to be a long process, either. You can get financing offers from up to five different lenders by filling out a single form with LendingTree’s auto marketplace. Comparing rates won’t affect your credit score, and having several offers in front of you will ensure you’re getting the lowest rates for your new or used GMC.
In-house financing
You have bad credit and no other options.
Buy here, pay here dealerships offer in-house financing, or loans that come from the dealership rather than a financial institution or traditional lender. In-house financing can be tempting for borrowers with bad credit, since eligibility requirements are typically low, making it easier to qualify. But buy here, pay here loans often come with predatory interest rates that make them expensive and difficult to pay back.
Before you sign on with a buy here, pay here dealership, consider lenders that specialize in car loans for bad credit. If you don’t qualify for a loan with a reputable online lender, make sure you can afford the car payment in your offer from the in-house financing dealership.
How we calculated average monthly GMC payments
To calculate average monthly GMC payments, we found estimated starting MSRPs for some of GMC’s most popular models. Then, we subtracted an average down payment from each MSRP. According to Edmunds, the average down payment on a new vehicle was $6,856 in Q4 2024. For used vehicles, it was $4,219. The resulting figure represents the total amount our hypothetical borrowers financed.
From there, we used our auto loan calculator to figure out average monthly GMC payments, using average APRs and loan terms as reported by Experian’s State of the Automotive Finance Market Q4 2024. You’ll find this data in the tables below. We rounded loan terms to the nearest whole number during our calculations.
Average APRs and loan terms for new car purchases in Q4 2024
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 13.08% | 9.59% | 6.40% | 4.77% |
| Average loan term | 73.54 months | 74.27 months | 71.15 months | 63.56 months |
Average APRs and loan terms for used car purchases in Q4 2024
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 19.38% | 14.46% | 9.95% | 7.67% |
| Average loan term | 66.19 months | 68.07 months | 68.39 months | 65.54 months |
Frequently asked questions
As of the writing of this article, GMC is offering 0% APR for qualified buyers on some models. GMC finance deals vary by season and location. Visit GMC’s website for the most up-to-date financing offers.
As of this writing, GM Financial has special finance offers with interest rates starting at 0.90% on certain GMC vehicles for qualified buyers with excellent credit. Your interest rate with GM Financial will depend on your credit history and income. You can apply for prequalification with GM Financial to get your interest rates without affecting your credit.
GM Financial doesn’t share its required credit score. Generally, the ideal credit score to buy a car with a great interest rate is 661 or higher.
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