FAQ

Messaging is a convenient online connection to the Concierge team. Begin a messaging session by clicking the option in MyAccount online or in the Cadillac Financial MyAccount mobile app for Android and iOS.

During business hours, you will be connected to a concierge who can assist with finding the information you need. At the end of your session, a transcript of your conversation will be saved for 13 months in MyAccount.

Go to cadillacfinancial.com/MyAccount or the Cadillac Financial mobile app for Android and iOS and select “Register Now.” You will need your Cadillac Financial account number, which can be found on your welcome packet or billing statement, as well as the last four digits of your Social Security number.

While your email address is not case-sensitive, your password must be entered exactly as you initially created it.

You can create and manage your account online or through the Cadillac Financial mobile app. Setting up MyAccount is simple and allows you to make payments, manage your account details, chat with your Concierge team and more. Learn more.

There are several ways to pay your bill, including:

• MyAccount: Pay online or on the Cadillac Financial MyAccount mobile app for Android and iOS. Paying online with a bank account is free, but debit payments may have a fee. You can also set up recurring payments in MyAccount.
• Phone: Call our Concierge team to pay by phone. Phone payments may require a fee.
• Mail: Send a check or money order via mail to pay your bill.

RETAIL CUSTOMERS
Regular mail:
Cadillac Financial
P.O. Box 78143
Phoenix, AZ 85062-8143

Overnight mail:
Cadillac Financial
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

LEASE CUSTOMERS
Regular mail:
Cadillac Financial
ATTN: Cadillac Financial Lease
P.O. Box 78143
Phoenix, AZ 85062-8143

Overnight mail:
Cadillac Financial
ATTN: Cadillac Financial Lease
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

Please note that in-person payments at Cadillac Financial locations are not accepted. For other ways to pay, visit our payment options page.

The Cadillac Financial mobile app lets you find answers, make payments and manage your account. Download it for free from Google Play™ Store or the App Store®.

Yes. You have two options to set up monthly payments: Auto Pay and Auto Debit. You can set up Auto Pay by logging in to MyAccount online or on the Cadillac Financial mobile app. Once you sign up, automatic payments immediately go into effect, but may take up to two business days to post to your account. Recurring payments can be changed or canceled anytime through MyAccount.

Customers also have the option to sign up for Auto Debit by mail, fax or email. Auto Debit will start 10 days after the request has been processed.

You can find payoff details by logging in to cadillacfinancial.com/MyAccount or through the Cadillac Financial mobile app for Android and iOS. You can also contact our Concierge team.

Any overage or extra payments on an account should be refunded within 30 days.

Simple interest is a method of interest accrual that occurs with auto loans. Review your Cadillac Financial retail installment contract regarding the interest that accrues daily on the principal balance of your Cadillac.

Each payment you make will first pay down any accrued interest by multiplying the daily interest rate by the principal, by the number of days occur between payments. As you make required installment payments each month, payments will be applied first to any interest that has accrued on the unpaid principal balance, and then to the principal amount due for the month, and finally, for other fees, as applicable.

If you need more information on understanding your simple interest loan, contact Cadillac Financial today and let us know how we can assist. You can also download the Simple Interest Fact Sheet.

Log in to cadillacfinancial.com/MyAccount or use the Cadillac Financial mobile app for Android and iOS to update your profile settings and select paperless billing. After updating your preferences, you will be notified when your billing statement is available online.

You can find detailed instructions on how to request benefits, frequently asked questions and other resources by visiting our dedicated SCRA page. We extend our gratitude to those who serve our country.

Your security deposit will be returned to you within 60 days of returning your leased vehicle, less any amount owed under your lease agreement.

To see if your Cadillac has a recall, visit the Cadillac Recall Center website, reach out to your Cadillac dealer or contact our Concierge team.

If a leased Cadillac is returned with a recall, the vehicle will be repaired. If the leased vehicle with a recall is returned before the lease maturity date, the lease-end liability invoice may be delayed while recall repairs are completed.

If your Cadillac has a recall, bring it to a Cadillac dealership to fix the recall at no charge.

If you turn your Cadillac in early due to a recall, your lease will be processed as an early termination, and your lease-end liability invoice will be calculated per your lease agreement.

There are several ways to pay your bill, including:

• MyAccount: Pay online or through the Cadillac Financial mobile app for Android and iOS. Paying online with a bank account is free, but debit payments may have a fee. You can also set up recurring payments in MyAccount.
• Phone: Call our Concierge team to pay by phone. Phone payments may require a fee.
• Mail: Send a check or money order via mail to pay your bill.

FINANCE CUSTOMERS
Regular mail:
Cadillac Financial
P.O. Box 78143
Phoenix, AZ 85062-8143

Overnight mail:
Cadillac Financial
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

LEASE CUSTOMERS
Regular mail:
Cadillac Financial
ATTN: Cadillac Financial Lease
P.O. Box 78143
Phoenix, AZ 85062-8143

Overnight mail:
Cadillac Financial
ATTN: Cadillac Financial Lease
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

In-person payments at Cadillac Financial locations are not accepted. A comprehensive list of payment options can be found on the Payment Options page.  

It’s easy to set up Auto Pay online. Just log in to MyAccount or the Cadillac Financial mobile app for Android and iOS and view your payment options to get started.

Guidelines for online payments:

• The minimum payment you can make online is $10.
• The maximum payment you can make online using a bank account is $50,000.
• It may take up to two business days for payments to post to your account, excluding weekends and bank holidays.
• Cadillac Financial can’t cancel a payment once it’s been submitted and authorized. Contact your financial institution to cancel a payment. You can change or cancel future-dated payments or turn off auto pay through MyAccount.
• You can’t future date a partial payment online.
• Cadillac Financial is not responsible for payment delays.

Payments received before 6 p.m. CT will be posted to your account the same day. On the last day of the month (excluding Sundays), the time is extended to 9 p.m. CT. Payments received after that time will be posted the next business day. Additionally, it can take up to two business days for drafted payments to be posted to your account.

Payments are posted and processed when they are received, so Cadillac Financial can't accept postdated checks for payment.

Cadillac Financial does not offer a payment grace period. All payments are due by the date listed on your statement. Interest charges and any late fees will accrue and be applied to your account each day a payment is past due, according to your contract. Your contract will show you when late fees are assessed.

If you’re facing financial hardship and need assistance, please message our concierge team through MyAccount. They can help find a solution that works for you.

Cadillac Financial offers flexible payment arrangements on some accounts. To see if you’re eligible, message our concierge team through MyAccount. You can also call our Concierge team.

You can make an online payment if your account is less than 90 days past due. Certain restrictions may apply.

If your account is more than 90 days past due, please message us through MyAccount to determine next steps. You can also call our Concierge team. If your Cadillac Financial account is 15 days or more past due, your account will be serviced by GM Financial.

If you’re buying your Cadillac and have a loan with us, send a check with your payment coupon to:

Regular mail:
Cadillac Financial
P.O. Box 78143
Phoenix, AZ 85062-8143

Overnight mail:
Cadillac Financial
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

If you have a lease with Cadillac Financial, mail a check with your payment coupon to:

Regular mail:
Cadillac Financial
ATTN: Cadillac Financial Lease
P.O. Box 78143
Phoenix, AZ 85062-8143

Overnight mail:
Cadillac Financial
ATTN: Cadillac Financial Lease
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

Please include your account number on your payment. If you don't know your account number, find it in MyAccount.

If your payment doesn’t clear the first time, it will be submitted a second time, as long as your financial institution allows it. If your payment doesn’t clear a second time, it will be considered an “Insufficient Funds” transaction.

If this happens, log in to MyAccount to update your payment information. You can also contact our Concierge team with payment questions.

Overnight payments can be made via check or money order.

Please send your payment and coupon to:

Overnight mail for retail purchase:
Cadillac Financial
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

Overnight mail for lease:
Cadillac Financial
ATTN: Cadillac Financial Lease
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

Yes. You have two options to set up monthly payments: Auto Pay and Auto Debit. You can set up Auto Pay by logging in to MyAccount online or on the Cadillac Financial mobile app. Once you sign up, automatic payments immediately go into effect, but may take up to two business days to post to your account. Recurring payments can be changed or canceled anytime through MyAccount.

Customers also have the option to sign up for Auto Debit by mail, fax or email. Auto Debit will start 10 days after the request has been processed.

Both retail and lease customers can call our Concierge team. Paying by phone may incur a fee. For the automated payment line, call 1-833-702-0077. Service fees may apply.

For other ways to pay, visit our payment options page.

You can pay online with a bank account, credit card or debit card. Log in to MyAccount and find your statement or enroll in Auto Pay to pay through your bank account each month. You can also pay through the Cadillac Financial MyAccount mobile app for Android and iOS.

For other ways to pay, visit our payment options page.

You can make a payment from your bank account online through MyAccount or the Cadillac Financial mobile app for Android and iOS. Customers can also call our Concierge team to pay from a bank account by phone.

For other ways to pay, visit our payment options page.

Retail customers can make payments with a debit card online through MyAccount, the Cadillac Financial mobile app for Android and iOS, or by calling the Concierge team. Lease customers can make payments with a debit card to pay online. Keep in mind that fees may apply.

For other ways to pay, visit our payment options page.

You can make a payment with a credit card through Western Union. Keep in mind fees may apply. You also might have the option of paying with a credit card online through MyAccount. Log in to see your specific payment options.

For other ways to pay, visit our payment options page.

In the United States, you can pay with cash through MoneyGram or Western Union. Fees may apply.

For other ways to pay, visit our payment options page.

Please mail check or money order payments to:

RETAIL CUSTOMERS

Regular mail:
Cadillac Financial
P.O. Box 78143
Phoenix, AZ 85062-8143

Overnight mail:
Cadillac Financial
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

LEASE CUSTOMERS

Regular mail:
Cadillac Financial
ATTN: Cadillac Financial Lease
P.O. Box 78143
Phoenix, AZ 85062-8143

Overnight mail:
Cadillac Financial
ATTN: Cadillac Financial Lease
3137 East Elwood St
Suite 130
Phoenix, AZ 85034

Payments are first applied to accrued interest. Then we apply the rest toward your principal or any outstanding charges/fees based on the status of your account.

Any amount paid over your current amount due will be applied to future payments. If all applicable interest, fees and late charges have been paid, the remaining funds will be applied to your principal balance. Each payment, regardless of the amount, is automatically applied this way.

Any amount paid over your current balance due will be applied to future payments. If all applicable interest, fees and late charges have been paid, the remaining funds will be applied to your principal balance. Each payment, regardless of the amount, is automatically applied this way.

You can view a payment breakdown in the Transaction Details section of your monthly billing statement.

Currently, we do not offer a self-service option to make a principal-only payment, but we are working on adding that to MyAccount. Any amount paid over your current amount due will be applied to future payments. If all applicable interest, fees and late charges have been paid, the remaining funds will be applied to your principal balance. Each payment, regardless of the amount, is automatically applied this way. To check on your payment, chat with us in MyAccount or call the Concierge team.

Visit the lease-end section to learn about your options.

The Cadillac dealership where you leased your Cadillac can also help with lease-end questions. They can explain/review the process to return your vehicle, the inspection required, excess mileage, and more.

For more information, send us a message by visiting MyAccount. You can also contact our Concierge team with questions.

You are responsible for any applicable tolls, tickets, property taxes, or fees assessed during your lease contract. The initial bill will go to Cadillac Financial. Then, charges will be added to your monthly billing statement with a copy of the original bill. If you don’t receive a monthly billing statement, you’ll receive an off-cycle bill for the applicable fees.

Cadillac Financial has a lease assumption program that helps facilitate lease transfers. Lease assumptions must meet the following requirements:

• Vehicle must be registered/titled in the same state as the Assuming Lessee(s).
  • Note: Assuming Lessee(s) must have a driver's license issued in the same state where the vehicle is registered. Permits or state IDs are not accepted.
• For new leases, lien must be perfected.
• Lease must be 6 months or more from maturity.
• Assuming lessee must meet all of GM Financial’s underwriting and credit guidelines.
• The account is current on payments and must remain current through the lease-assumption process.
• If a lease is contracted under multiple parties, the lease can be assumed by new lessees as long as all parties agree and sign third-party authorization forms as well as the new contract.

For more information, send us a message by visiting MyAccount. You can also contact our Concierge team with questions.

The standards for vehicle wear are listed in your lease agreement. Examples of excess wear include, but are not limited to, missing or broken parts, dented or damaged body panels, or cracked or broken glass. A lease-end guide will be mailed to you with helpful information regarding excess wear.

If you believe you have excess wear on your Cadillac, you can schedule a complimentary pre-return inspection with AutoVIN, our third-party service. This optional service can identify the areas that need extra attention before returning your Cadillac. All you need is your VIN and Cadillac Financial account number to schedule an appointment. For your convenience, the inspection has a four-hour window and can be completed at your home, office or preferred Cadillac dealership.

If you buy or lease a new Cadillac or GM vehicle when turning in your Cadillac lease, you may be eligible to receive a partial waiver on excess wear charges.

To determine eligibility, contact us through Cadillac Financial MyAccount or call our Concierge team.

If you have excess wear charges and you’re a My Cadillac Rewards member, you can use those points toward eligible charges like excess wear or mileage. Login to MyAccount and click “Pay with Points”.

Schedule a lease-end inspection at home, work or the dealership. Schedule this inspection online or contact our Concierge team. 

A disposition fee is a flat-rate fee that is charged to Cadillac Financial lessees after a Cadillac is returned. The disposition fee covers the cost of preparing the vehicle for resale at auction and is outlined in the lease agreement.

Cadillac will waive the disposition fee if you stay in the Cadillac/GM family by financing or leasing another new Cadillac or GM vehicle at the end of your lease, or if you choose to purchase your current lease.

Check your contract’s purchase option for details about purchasing your Cadillac.

Customers located in Arizona, Arkansas, Colorado, Florida, Hawaii, Kansas, North Carolina, Pennsylvania, South Dakota and Vermont can’t purchase Cadillacs directly from Cadillac Financial or GM Financial. Residents of these states will need to visit a Cadillac dealership to purchase their Cadillac lease.

If your Cadillac has a recall, bring it to a Cadillac dealership to fix the recall at no charge.

If you turn your Cadillac in early due to a recall, your lease will be processed as an early termination, and your lease-end liability invoice will be calculated per your lease agreement.

Make sure to clear all personal data, including garage door codes, saved phone numbers and addresses, app data, etc. Also, sign out of any accounts that you might have linked with your Cadillac. For complete instructions on how to find and remove personal data, please see your Owner’s Manual.

To cancel OnStar services for your current vehicle or transfer them to a new one, press the blue OnStar button. Or call 1-888-466-7827 to speak with an OnStar advisor.

You can also download our return checklist to ensure you have everything you need for turn-in.

You can keep your online information safe in the following ways:

• Use a strong password that consists of upper and lowercase letters, numbers and symbols, and is different from other passwords you use. Avoid generic phrases or personal information, and never write down or share your passwords.
• Whenever available, use multi-factor authentication to provide extra security when you log in to your accounts.
• Use a secure, private Wi-Fi connection when accessing personal information. Routinely update your phone and internet browsers.
• Never give out info like bank account numbers, credit card info, date of birth, SSN or any other confidential information through email. Cadillac Financial will never ask you for your password or one-time MyAccount authentication code by phone, text or email.

If you find that someone accessed your Cadillac Financial account without your permission or have questions about your account security, please contact your concierge immediately.

If you think you are a victim of identity theft, you may request an investigation through the process outlined below.

• A completed Investigation Request Form and a copy of your ID Theft Report, such as a police report, that has already been filed with a federal, state or local law enforcement agency is required to process a claim of identity theft. A completed ID Theft Affidavit and a copy of your driver’s license or government-issued ID are not required (though they may be requested) but will assist in expediting the claim.
• Mail documents to:
  Cadillac Financial
  Attn: Central Fraud Department
  801 Cherry Street, Ste. 3500
  Fort Worth, TX 76102
• We’ll investigate your claim once we receive the required documents.
• We will notify you of our findings by mail. If we can establish your true identity and determine the claim as valid, we will report to the credit bureau agencies that the Cadillac Financial account should be deleted from your credit file. If we can’t establish your true identity, or, in good faith, determine the claim is invalid, the Cadillac Financial account won’t be deleted from your credit file.

If you have questions or concerns about your identity theft claim, email the Central Fraud department at creditfraud@cadillacfinancial.com. Include your name, phone number, account number, if applicable, and a description of your question or concern.

Messaging is a convenient online connection to the Concierge team. Begin a messaging session by clicking the option in MyAccount online or in the Cadillac Financial MyAccount mobile app for Android and iOS.

During business hours, connect with your concierge team, who can assist in finding the information you need. At the end of your session, a transcript of your conversation will be saved for 13 months in MyAccount.

Go to the Cadillac Financial MyAccount Login page or the Cadillac Financial mobile app for Android and iOS and select “Register Now” to set up your account. 

While your email address is not case-sensitive, your password must be entered exactly as you initially created it.

Go to the Cadillac Financial MyAccount Login page or the Cadillac Financial mobile app for Android and iOS to register.

If you’re having trouble logging in, request an email reminder or password reset. For additional support, call 1-877-2CF-LUXE (1-877-223-5893).

Log in MyAccount or the Cadillac Financial mobile app for Android and iOS and find the option "Link Another Account." Choose this option to enter and link additional account numbers.

Log in to MyAccount or the Cadillac Financial mobile app for Android and iOS at any time to adjust your notifications.

If you file a petition for bankruptcy, federal law prohibits Cadillac Financial from attempting to collect on an account that existed at the time of filing, absent permission from bankruptcy court. Cadillac Financial will place your account in bankruptcy status. We are not permitted to send billing statements to customers involved in an active bankruptcy case. Automatic or recurring payments on the account will also stop.

If you have filed for bankruptcy and want to surrender your vehicle, please call for retail accounts 877-203-5538 and for lease accounts 855-719-9692. Please have your account number and bankruptcy case number available.

A Reaffirmation Agreement is an agreement between a creditor and debtor(s) who have filed bankruptcy stating that the debtor(s) will honor the terms of the initial contract established with the creditor.

You are not required to sign a Reaffirmation Agreement. If you do sign a Reaffirmation Agreement with GM Financial, you’ll resume receiving monthly statements on your account once your case has been discharged. You’ll also be able to access your account via Cadillac Financial, make payments and be eligible for deferments on your account once your case has been discharged.

Not all services are available to customers who have been discharged in a bankruptcy case but have not reaffirmed their debt with GM Financial. If you wish to reaffirm your debt with GM Financial, a Reaffirmation Agreement must be signed – by you, your attorney and GM Financial – and filed in a timely manner with the bankruptcy court. If you are not represented by bankruptcy counsel, the bankruptcy court must approve the Reaffirmation Agreement before it is a valid, binding agreement. It is your responsibility to obtain this approval.

Cadillac Financial urges you to discuss your obligations as a debtor in bankruptcy with your bankruptcy attorney. Account terms are not modified in a Reaffirmation Agreement with Cadillac Financial.

If a discharge order is entered in a Chapter 12 or 13 bankruptcy case, Cadillac Financial is prohibited from making collection efforts on any debt that was discharged. Depending on the GM Financial arrangements made under the plan of reorganization approved by the bankruptcy court, GM Financial may be required to release its security interest upon the entry of the discharge. Or, security interest in the collateral on the account remains and GM Financial will retain its state law and contractual rights to protect such interest. Please discuss these alternatives with your bankruptcy attorney.

Customers in bankruptcy will not receive monthly statements. You do have the option to pay online by logging in to MyAccount or the Cadillac Financial mobile app for Android and iOS. You also have the option to pay by phone, pay with cash, or mail in a check or money order. If your account is in repossession status, you will not be able to make payments online.

Cadillac Financial is not attempting to collect a debt by allowing access to these options.

Any extra payments on an account is automatically refunded within 60 days following date of payoff. To verify an overage on a paid-off account, please log in to MyAccount, or call our Concierge team.

Your account balance may differ from your payoff balance due to interest charges, fees and other items that may be credited or debited to your account.

Lease customers may have an outstanding balance for all contractual obligations, such as late fees, excessive mileage or excessive wear.

Payoff details can be found after logging in to MyAccount or the Cadillac Financial mobile app for Android and iOS. You can also contact our Concierge team.

Any overages or extra payments on an account should be refunded within 30 days.

Depending on your state, your title or lien release documents typically arrive within 30 days of paying your account in full (or earlier, as required by state law).

To release titles on lease accounts, we require filled out and signed Lease Purchase Documents, including the odometer statement and damage disclosure acknowledgment (depending on state law). These can be found in the Cadillac Financial Document Center, along with instructions for returning the paperwork.

Lease or Finance New

Enjoy the excitement of a new vehicle if you return your current leased Cadillac and find a new Cadillac to lease or purchase. Save time at the dealership by applying online now.

Purchase Your Lease

Buy your Cadillac at any point during your lease. Visit your preferred Cadillac dealership to discuss your options.

Return Your Lease

Schedule an appointment at your Cadillac dealership to discuss next steps and a pre-return inspection before returning your Cadillac.

Before you make a final decision on returning your lease, make sure to check out our latest offers.

If you finance or lease a new Cadillac or GM vehicle at lease end, you may be eligible for a partial waiver of excess wear charges with your remaining balance paid in full.

If you finance or lease a new Cadillac or GM vehicle at lease end, or exercise the purchase option of your lease agreement, you may be eligible for your disposition fee to be waived, along with a partial waive of excess wear fees. To take advantage of this offer, contact the Cadillac Financial Concierge team upon receipt of your lease-end invoice.

Extend Your Lease

Waiting on a custom-order vehicle? Cadillac Financial offers a one-month automatic lease extension 11 days after your contract term date if you do not return your leased vehicle. We will notify you through email or mail that you have received the extension.

Your originating Cadillac dealer is best qualified to assist you with the lease-end process. If you’ve moved a significant distance since you leased your Cadillac, or you would like to turn it in at another dealership, please contact our Concierge team for assistance.

Contact your originating Cadillac dealer to assist with obtaining a price, or call our Concierge team. Have your account number, Social Security number or vehicle identification number (VIN) available to help us locate your account.

If you exercise the purchase option of your lease agreement, you may be eligible for your disposition fee to be waived, along with a partial waive of excess wear fees. To take advantage of this offer, contact the Cadillac Financial Concierge Team upon receipt of your lease-end invoice.

Both a co-buyer and a guarantor sign a contract to confirm they will assume financial responsibility if you are unable to pay. However, a co-buyer’s name will be listed on the contract and the title, while a guarantor’s will not. Debt will also be recorded on the co-buyer’s personal credit, but not on the guarantor’s.

Yes, you are responsible for any applicable tolls, tickets, property tax or fees assessed during your lease agreement. The initial bill will be sent to us. Setting up a toll tag (an electronic payment method that automatically pays for tolls as you drive through them, such as E-ZPass) is an easy way to avoid additional issues or late fees.

For property taxes, we will add the charge to your monthly billing statement and mail you a letter to notify you of this charge. Property tax bills can still be received up to 18 months after your lease has ended.

For tolls and tickets, we will email and/or mail you a letter about how to pay the tolling authority directly, as we do not collect amounts owed to these authorities. You will only see charges on your account if you do not pay the billing authorities by the stated due date.

We are required to report accurate information to the credit bureaus. If you believe we have reported inaccurately, you may dispute your information directly with them or by writing to us at:

Cadillac Financial
Attn: Customer Experience Support
P.O. Box 181145
Arlington, TX 76096-1145

When sending in your dispute, please include the following information:

• Name
• Account number OR the last four digits of your Social Security number, address and telephone number.
• The specific information being disputed such as consumer information, month(s) disputed, account status, balances or payoff status.
• All supporting documentation such as a bank statement, copy of a cleared check or credit report showing a GM Financial tradeline.

We are not able to honor requests for goodwill credit adjustments (the removal of valid reporting history from a credit report).

Your privacy is important to us, and we understand that you expect us to safeguard your personal financial information in a secure manner. For more information, review the privacy policy for lease customers.

Simple interest is an interest accrual method. Interest accrues on a daily basis on the unpaid principal balance on the account. Each payment you make will first pay down any accrued interest, then the rest will apply to the principal or other applicable fees. You can calculate simple interest by multiplying the daily interest rate by the principal by the number of days that elapse between payments. Learn more about simple interest.

If you have a closed-end lease (The Right Lease®), you have the option to:

• Trade in your Cadillac for a new model
• Purchase your Cadillac for your continued enjoyment or sell it
• Drop off the keys and turn in the vehicle

If you have an open-ended lease (The Right TRAC®), you have the option to:

• Purchase your Cadillac for the agreed-upon terminal value
• Trade in your Cadillac
• Allow Cadillac Financial to sell your vehicle while you keep any payment surplus (or owe any shortages)

Cadillac dealerships are an excellent source of information for your end-of-lease options. They can answer questions about the process for returning your Cadillac, the inspection required, excess mileage concerns and final invoices.

Learn more about the end-of-lease process.

There may be several options available to return your Cadillac early, depending on your scheduled termination date. Contact the originating Cadillac dealership for details, or call our Concierge team. 

If you return your leased Cadillac and have exceeded the allowed mileage in your lease agreement, you will be charged for the additional miles. These charges are detailed in your lease agreement. 

If you turn in your leased Cadillac, you are responsible for any excess wear charges, remaining payments, excess mileage charges, fees, taxes and/or citations. 

A Form 1099-C is sent to a customer when a debt of $600 or more is canceled.

The IRS may consider the debt or portions of the forgiven debt as income leading to a one-time tax charge. A tax adviser or the IRS can assist you on what to do with the form.

If you want to pay any portion of the amount reported on the Form 1099-C, please contact our Concierge team. 

The reported dollar amount on Form 1099-C is the remaining balance that has been canceled by your creditor. If you have any questions regarding the tax consequences of the Form 1099-C, reach out to your tax adviser or the IRS. 

TINs are unique numbers used by the Internal Revenue Service (IRS) to help identify businesses.

You can redeem your points on the My Cadillac Rewards website. Simply log in and view the current offers on the “Redeem Points” page. Once you find the offer for which you want to redeem your points, click “Learn More & Redeem” to start the transaction. 

Don’t have a My Cadillac Rewards account? Sign up today to get started.

When an account holder passes away, Cadillac Financial needs a copy of the death certificate and executor of estate, if applicable, to update their account.

You can send the required documents to the following address:
Cadillac Financial
P.O. Box 183581
Arlington, TX 76069-3581

For more information, call our Concierge team.

OnStar^® is a GM subscription-based service that offers features such as in-vehicle security, emergency services, turn-by-turn navigation, remote diagnostics and more.

Have questions? Press the blue button in your Cadillac or call OnStar Customer Service at 1-888-466-7827.

Fill out an online application to apply for prequalification. Prequalification determines if you’re likely to qualify for financing. It’s the first step in the process for credit approval.

After prequalification, you can submit a credit application through a Cadillac dealership. If you choose not to prequalify, you can still submit an application through a Cadillac dealer.

If you're not prequalified, follow up with the Cadillac dealer selected in your application for assistance with your Cadillac shopping and financing needs.

The balloon payment option can be selected when purchasing certain EVs and allows customers to make smaller monthly payments over the life of the contract and then pay a large lump sum at the end. Please note that state exceptions may apply.

Generally, there are three things you can do at the end of your contract if it includes the balloon option. Please reference your contract addendum, as some state exceptions may apply:

• Purchase the vehicle: Requires you to make the balloon payment and pay any remaining balance on your account, which will pay off the vehicle.
• Refinance the vehicle: Allows you to refinance the remaining balloon amount.
• Sell the vehicle back to Cadillac Financial: Does not require payment of the balloon amount. However, you must notify us 30 days in advance if you choose this option.

If your contract includes a balloon payment option and you choose to purchase your vehicle or refinance the amount of the balloon payment, you will need to pay your balance. If you choose to sell the vehicle back to us on the scheduled due date of the balloon payment, you will need to pay any part of the contract balance that remains unpaid after we subtract the option sales price. Please refer to your contract addendum to confirm the option sales price.

Although terms vary between contracts, your first payment will generally be due 30 days from the date your contract is executed, and you will receive a billing statement approximately 14 days before your payment is due.

Log in to your Cadillac Financial MyAccount or the Cadillac Financial mobile app for Android and iOS to find important account information. If you have not registered for MyAccount, click “Register Now” to get started.

Log in to MyAccount or the Cadillac Financial mobile app for Android and iOS to update your profile settings. By updating your preferences, you’ll be notified when your billing statement is available online.

Some insurance companies routinely report lapses in coverage to lienholders. Please direct any questions to our Concierge Team at Concierge@cadillacfinancial.com.

U.S. Regular Mail
Cadillac Financial Insurance Service Center
P.O. Box 1617 
Minneapolis, MN 55440-1617

Overnight/Courier
Cadillac Financial
6483 City West Parkway 
Eden Prairie, MN 55344

If you’re experiencing postal delays, you’re not alone. Digital statements are often available several days before a paper statement can be delivered to your address. Log in to MyAccount or the Cadillac Financial mobile app for Android and iOS to view your statements, message us and make payments.

If you feel you should have received your statement but haven’t yet, sign up for MyAccount or log in anytime to view your statements online. Or, you can enroll in paperless billing to receive statement notifications via email. If you need to find out your payment due date or the amount owed, please message us in MyAccount or call our Concierge team.

Only individuals on the contract can be added to the title. Retail customers can contact their state’s motor vehicle agency about adding or removing someone from the title.

If you moved to a new state, you may need to update your information and register your vehicle in your new location. To learn more, download our Out-of-State Registration form. Since each state has different procedures, we recommend you visit your state’s motor vehicle agency website for additional information.

There are three states that require permission from the lienholder to re-register: Arizona, New York and West Virginia. For customers in those states, please fill out our Relocation Request form. 

After you have completed your contract agreement and paid off your vehicle, we will send the title or lien release to you within 30 days of your final payment clearing, depending on payment method and applicable state laws.

IMPORTANT: Make sure your address is correct or updated prior to making your final payment for the title release. Otherwise, your title may be sent to the wrong address. You can either log in to MyAccount to update your address or contact our Concierge team.

We can release our lien directly with the state if it has an electronic title system. For more information on the electronic lien and titling process, please contact your state’s motor vehicle agency directly. If you are in an electronic lien release state, we will notify you by mail. Depending on state laws, electronic titles and/or liens are released to the state’s agency about 10 business days after an account is paid in full. However, there may be additional processing time before receiving your vehicle title.

If it has been more than 30 days and you still have not received your title, and we did not notify you that you are in an electronic lien release state, you can order a duplicate title and/or lien release. Submit a request by going to getmycartitle.com/gmfinancial and following the steps. Fees may apply. For step-by-step directions, download our “Titles” fact sheet.

To release titles on lease accounts, we require you to fill out our Lease Purchase Documents, including the odometer statement and damage disclosure acknowledgment (depending on state law). These can be found in our Document Center along with instructions for returning the paperwork.

If you are a lease customer and you recently purchased your lease, you will be requesting a duplicate title. You can submit a request by going to getmycartitle.com/gmfinancial and following the steps. Fees may apply. For step-by-step directions, download our “Titles” fact sheet.

For retail customers, full coverage is required on your vehicle.

For lease customers, required coverage includes the following:

• Bodily Injury Coverage with $100,000/$300,000 limits
• Property Damage Coverage with $50,000/$500,000 limits or combined single limits
• Collision, Fire, Theft and Comprehensive coverage with a maximum deductible of $1,000

Finance customers, please send your proof of insurance to:

U.S.-Originated Accounts
Regular Mail
Cadillac Financial Insurance Service Center
P.O. Box 1617
Minneapolis, MN 55440-1617

Overnight Mail
Cadillac Financial C/O van Wagenen Financial
6483 City West Parkway
Eden Prairie, MN 55344
Fax Number: 1-800-562-6148
Email: gmfinancialinsurance@vanwagenen.com

Lease customers, please send your proof of insurance to:

U.S.-Originated Accounts
Regular Mail
ACAR Leasing Insurance Service Center
P.O. Box 398045
Minneapolis, MN 55439-8045
Fax Number 1-800-762-6357

Ask your insurance company when they will send the check to Cadillac Financial. Once Cadillac Financial receives the insurance check, it can take three to five business days to process.

Guaranteed Asset Protection (GAP) may help pay off your vehicle financing if your vehicle is totaled and your insurance pays less than what you owe.

Insurance companies declare a vehicle a total loss when damages cost more than its cash value, meaning it would cost more to repair the vehicle than it’s worth. A vehicle may also be deemed a total loss if it’s stolen and not recovered. After a total loss, the insurance company will pay what they determine the vehicle is worth.

GAP coverage is an ancillary product that could pay a portion up to the remainder of the balance owed, but it may not cover additional charges added to the account such as late fees or property tax. GAP coverage is optional and not required to obtain financing.

Total Loss: If there is an overage on the account after the insurance check is applied, a refund will be released within 15 business days.

Insurance Repair: Once repairs deemed necessary by the insurance company are completed and the required documents have been received and verified, a refund will be processed in three business days. The funds will be sent to the body shop repairing the vehicle unless proof that the repair bill has been paid is received by Cadillac Financial.

To request a cancellation quote or to cancel an eligible product that was financed through Cadillac Financial, please contact your originating dealership or the product’s program administrator to begin the process. If your product brand is listed below, the applicable program administrator’s contact information is provided for your reference.

If you have been affected by a natural disaster or other financial hardship, please contact us by sending a message in MyAccount or the Cadillac Financial mobile app or calling us discuss your options.