What are My Financing Options?

Retail financing from GMAC provides you with a wide array of options designed to meet your individual needs. We offer competitive rates and terms up to 60 months. We have many new car incentives, which you may view by clicking on "Cadillac Incentives" on the left of this page.

We also offer "Cadillac Certified Pre-Owned" vehicles, to find out more about these go to the Vehicles tab (above) then click on Certified Pre-Owned. These cars qualify for their own special subsidized rates by GMAC. Please contact dealer for current program.

Ownership
When you finance the purchase of your new Cadillac, your name goes on the title. When your loan period ends, you become the outright owner. You can sell your Cadillac or trade it in at any time. You can even trade it in on a leased Cadillac, using the value of the vehicle to reduce your monthly payments.

Durability
Since Cadillac have great durability, you can continue to drive your vehicle long after your payments stop. Then again, the new ones sure are hard to resist.

Additional Benefits
As part of the Cadillac family, GMAC knows Cadillac products like no other lender. We've also designed our services to meet the expectations of Cadillac drivers. That's why you'll find our performance matches that of the vehicles we finance. For example, when you finance through us, you have these two important options to make your financing easier:

1. Advance payments
   You can make advance payments or pay off the entire loan at any time without any penalty. Advance payments reduce the amount of interest you pay and can help you pay off your loan faster.
2. Direct Pay
   Our optional Direct Pay plan adds convenience by electronically transferring your payment from your financial institution to GMAC each month on your payment due date - no more monthly check writing! It's a simple process and it gives you more time and peace of mind.

What is Direct Pay?
With our Direct Pay Program, you may choose to have your monthly payment transferred electronically from your financial institution on the payment due date. You still receive a monthly statement that shows the Direct Pay payment. There is no fee for this GMAC program.

Direct Pay means you don't have to write a check or worry about whether or not you sent in your payment each month. With your busy lifestyle, Direct Pay will enable you to have more free time to enjoy your family, friends, and your new Cadillac!