The Trusted Name in Auto Refinance

Answers to Common Refinance Questions

Refinance Frequently Asked Questions

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 X years old and have less than X miles 
  • You must be current on your auto loan payments
  • Current loan cannot be financed by GM Financial or Americredit 

If you answered yes to those, 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.

  • Enter your offer code at
  • Fill out the credit application.
  • If approved, review and customize your offer. You’ll have the option of purchasing ModePlus GAP and ModePlus VSC coverage and including those payments right in your loan.
  • Upload any documents we may need, like proof of income.
  • Sign your contract electronically and you’re all set!

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 refinancing with Mode.

Most applicants will have a decision within 24 hours.

Once you’re approved and sign your contract, 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.

You don’t want to be saddled with major repair bills in the event of a mechanical breakdown. ModePlus VSC  pays for covered repairs after the manufacturer's warranty expires. 

In the event of a total loss on your vehicle, ModePlus GAP, or Guaranteed Asset Protection, can help cover you where the insurance settlement is less than the outstanding balance of your loan.

You can purchase one or both optional products when you apply with Mode. Payment will be included in your loan, so there’s no upfront cost.

Get peace of mind and be protected from unexpected, covered costs with ModePlus VSC and ModePlus GAP.

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

© 2023 General Motors Financial Company, Inc. GM Financial and the GM logo are trademarks of General Motors LLC.

Americredit Financial Services, Inc. (NMLS ID #2108)