Can you pay GM Financial with a credit card?
Yes. No card fee is published.
Stated on GM Financial's own payment page.
Last checked October 19, 2026 by Bill Router. How we check
Ways to pay GM Financial
| Way | Accepted | Fee | Notes |
|---|---|---|---|
| Card on the biller's own site | No | — | MyAccount and the app take bank-account payments. Credit cards are routed through Western Union or MoneyGram only, according to the 2026 payment guide and Payment Options page. |
| Card through the biller's processor | Yes | No fee published | Credit card through Western Union Quick Collect or MoneyGram. GM Financial charges no fee; the processor does, and the amount is not published. |
| Debit card | Yes | minimum $2.50 | Phone payments under $3,000 by bank account or debit card through ACI Payments (or Stripe). ACI may charge $2.50 to $3.50 depending on automated or agent-assisted line. Online debit payments may have a fee, amount not published. |
| Bank account (ACH) | Yes | $0.00 | Online bank-account payments in MyAccount or the app are free. |
What it is worth for your car payment
Example amount shown; change it to yours.
| Way to pay | Fee per payment | Net per year |
|---|---|---|
| Card through the biller's processor (no fee published) | $0 | +$132 |
| Bank account (ACH) | $0 | $0 |
Rewards minus fees, twelve payments a year. A negative number means a card costs you money.
When a card is worth it
With no card fee published, a card that earns 2% turns a $550 car payment into about $132 a year. Pay the card in full each month, and confirm the fee at checkout.
Watch out for
Credit card payments go through Western Union or MoneyGram with a third-party fee. Phone debit payments also carry a small ACI fee.
Sources
Within the portal, you can choose from one-time or recurring payment options using your bank account
www.gmfinancial.com · checked October 19, 2026Make payments securely with your credit card through trusted providers Western Union® and MoneyGram®.
www.gmfinancial.com · checked October 19, 2026GM Financial accepts payment by phone via bank account or debit card through ACI Payments Inc. or Stripe, both of whom charge a fee.
www.gmfinancial.com · checked October 19, 2026debit payments may have a fee
www.gmfinancial.com · checked October 19, 2026
Payment rules change. Every biller is re-checked at least every 180 days, and a page past that date is taken out of search until it is.
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See every bill at once
Add your other bills to the calculator to see which go on a card, which stay on your bank account, and which sign-up bonus your normal spending can reach.