• Mode is a faster easier way to refinance your auto online. And Mode is by GM Financial so it’s financing you can trust.
• Read what our customers are saying about Mode and let’s see if we can get you a payment you’ll love.

To be eligible for a refinance with Mode, you must meet the following criteria: 

• Current loan must have at least 12 months remaining 
• Remaining balance must be > $10,000 
• Vehicle must be no more than 9 years old and have less than 100,000 miles
• You must be current on your auto loan payments 
• Current loan cannot be financed by GM Financial or AmeriCredit

If you meet those criteria, you’re eligible to apply! Why not get started today and let’s see what we can do for you.

The process is easy with Mode.

• Complete the prequalification application; no impact to your credit.
• If you prequalify, we’ll direct you to the full credit application where we’ll ask you for a bit more information. Submitting this application will result in a hard hit to your credit.
• Review and customize your offer. You’ll have the option of purchasing ModePlus GAP to help cover what insurance doesn’t in the event of a total loss to your vehicle and ModePlus VSC extended protection. You might know this as an extended warranty. You can include those payments right in your loan.
• Upload any documents we may need, such as a copy of your Driver’s License or proof of income.
• Sign your contract electronically and you’re all set!