FAQ

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, check out our latest offers.

If you finance or lease a new Cadillac at lease end, you may be eligible for a partial waiver of up to $500 for excess wear charges when your remaining balance is paid in full.

If you finance or lease a new Cadillac 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 waiver of excess wear fees. To take advantage of this offer, contact the Cadillac Financial Concierge Team upon receipt of your lease-end invoice. Please have your new VIN available.

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 Cadillac dealership, please contact our Concierge team. 

Message your Cadillac Financial Concierge Team in the Cadillac Financial mobile app or by logging in to MyAccount to obtain a purchase option price. You can also contact our Concierge team. Please have your account number, Social Security number or vehicle identification number (VIN) available to help us quickly locate your account. You can also contact your originating Cadillac dealer for assistance. We currently do not process lease purchase requests through non-Cadillac dealerships.

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 waiver of excess wear charges. To take advantage of this offer, contact the Cadillac Financial Concierge Team upon receipt of your lease-end invoice.

There may be several options available to return your Cadillac early. Contact the originating Cadillac dealership or call our Concierge team for more details. 

• Lease customers can maintain their lease for one month past the original scheduled lease end. Simply make your regular payment with the same due date as your current payments. We’ll notify you through email or mail that you’ve received the extension, but you’ll need to return the vehicle before the end of the additional month.
• The extension doesn’t increase the mileage in your original contract. Any mileage incurred in excess of the amount allowed in your original lease contract term will be billed at the rate per mile listed in your agreement. However, if you lease or purchase a new GM vehicle at lease end, you may be eligible to receive an additional monthly mileage allowance equivalent to the terms of the original lease agreement should you exceed your contract mileage.
  
  

*This Loyalty Program offer is only available to customers who received a lease term extension and terminated their lease after Feb. 1, 2021. This program is subject to change; GM Financial may terminate this Loyalty Program without notice at any time.

The lease check-in process is a convenient way to return your leased Cadillac to your local Cadillac dealership. You’ll sign and receive a Vehicle Check-In Receipt and Odometer Statement to confirm you’ve returned your vehicle. This process is required by federal and some state law when vehicle ownership changes.

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 when turning in your Cadillac lease, you may be eligible to receive a partial waiver, up to $500, 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. Log in to MyAccount and click “Pay with Points.”

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. This bill may be sent after your lease has ended.

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 buying or leasing another new Cadillac at the end of your lease, or if you choose to purchase your current lease. If you have more questions about this fee, contact us through MyAccount or call our Concierge team. 

When visiting the dealership to purchase your lease, you should not be charged a fee by the dealer to facilitate your payoff. These fees are often referred to as doc fees, documentary fees, D&H fees, handling fees, etc. It is your right to purchase your lease per the terms laid out in your GM Financial lease agreement. If you are presented with any unexpected fees, please contact Cadillac Financial for clarification and guidance.

Messaging is a convenient online connection to our Lease-End Experience team. You can initiate a messaging session by logging in to the Cadillac Financial MyAccount mobile app for Android and iOS, or by clicking the option in MyAccount online.

During business hours, you’ll be connected to someone 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 username (email) is not case-sensitive, your password must be entered exactly as you initially created it.

• 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:   

                o  Call to speak with a concierge and pay by phone. These payments may require a fee.

                o  Call 1-833-702-0077 for an automated payment. Service fees may apply.

• 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
1820 E. Sky Harbor Circle South, Suite 150
Phoenix, AZ 85034-9700

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
1820 E. Sky Harbor Circle South
Suite 150
Phoenix, AZ 85034-4875

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

You have two options to set up monthly payments. You can set up automatic monthly payments online by logging in to cadillacfinancial.com/MyAccount or use the Cadillac Financial mobile app. 

Once you sign up, automatic payments go into effect immediately, but may take up to two business days to post to your account. Recurring payments can be changed or canceled any time through MyAccount.

Customers also have the option to sign up for auto pay by mail. The auto-pay-by-mail enrollment process takes approximately one billing cycle to complete. Visit our payment options page to learn how to sign up.

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 see how many payments you have left and other account information through the Cadillac Financial MyAccount mobile app for Android and iOS, or through MyAccount online.

You can obtain an account summary by messaging our Lease-End Experience team through the Cadillac Financial MyAccount mobile app or through MyAccount online. You can also call our Concierge team.

Explore our lease-end page for more answers or contact our Lease-End Experience team through the Cadillac Financial MyAccount mobile app for Android and iOS, or through MyAccount online. You can also call our Concierge team.