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Frequently Asked Questions

Refinancing replaces your current loan with new financing. Mode puts you in charge of your loan, so you decide, for example, if you’d like to change your payment or have a shorter term.

Here are some situations where it may make sense to refinance:

  • Your credit has improved, so you might be eligible now for a better payment.
  • When you got your existing loan, you may have gotten an interest rate that was higher than it needed to be.
  • You want to change the terms of your financing.
  • Interest rates may have dropped since you got your original loan.

While we can’t guarantee savings until we get a bit of information from you, we may be able to get you a payment you’ll like.

At this time, only those who have received a mailer from us are eligible to apply for financing with Mode.

Most applicants will have a decision within 24 hours.

Once you’re approved, you’ll become part of the GM Financial family. You’ll receive welcome information from us confirming things like your monthly payment, first payment due date and instructions on how to set up your online account.

Yes! When you accept your offer, you’ll have the option of purchasing a Vehicle Service Contract, which covers breakdowns and mechanical failure after your manufacturer’s warranty expires, and Guaranteed Asset Protection, which will pay the difference between what your insurance company pays you and what you still owe on your car in the event of a total loss.

You can call our friendly humans at 833-616-MODE (6633) or email us at

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