Financing Payment Options
GMAC offers convenient, easy ways to make your monthly payment. GMAC Direct Pay is an automatic withdrawal program that eliminates the need to write and mail a check each month. In addition, we offer monthly billing statements and coupon books. Review the choices and select the option that works best for you.
GMAC Direct Pay (Automatic Withdrawal)
GMAC Direct Pay is the most convenient of our payment options. Your payment is automatically transferred from your checking or savings account to your GMAC account each month on the payment due date. GMAC customers can sign up at their GM dealership/retailer when taking delivery of their vehicle or sign up online for this payment option on your existing GMAC account. Customers who want to make an extra payment or change their due date, should contact us at 1-800-200-4622.
Monthly Statement
Receive personalized monthly statements from us.
Coupon Book
Receive a payment coupon book and pre-addressed envelopes on an annual basis.
Customers whose billing needs change can simply contact us at 1-800-200-4622.
GMAC Direct Pay
Can I pay ahead or make extra payments while on GMAC Direct Pay?
Yes. All you need to do is call 1-800-200-4622 one time to let us know you will be mailing in additional funds. top
What do I need to sign up for GMAC Direct Pay online?
An internet browser with 128 bit encryption (Internet Explorer 5.0 or higher, Netscape Navigator 4.7 or higher), your GMAC and bank account information, and a printer in a secure location to print out a copy of the authorization form for your records. top
Should I include a payment with my GMAC Direct Pay authorization form?
No. If payments are due when GMAC Direct Pay is activated, GMAC Direct Pay will automatically deduct the amount due within 2-3 business days after activation. Subsequent payments will deduct on the due date. top
Will I receive monthly billing statements?
No. However, you have the option of receiving a transaction summary once or twice per year. Additionally, you have access to your account status online at the GMAC Account Center or through our automated voice response system 24 hours a day by calling 1-800-200-4622. top
What day will GMAC withdraw the payment from my account?
Payments will be deducted from your checking/savings account each month on the due date. If your due date falls on a weekend or holiday, the funds will be withdrawn on the following business day. top
How do I know GMAC Direct Pay has been activated?
You will receive a confirmation once GMAC Direct Pay is activated. The confirmation will include the due date of the first payment that will be withdrawn. top
How do I qualify for GMAC Direct Pay?
All you need is a GMAC Account and an active checking or savings account. top
Can I select a due date that will be compatible with the date funds are available in my account?
Yes. A one-time due-date change of up to seven days is available for the purpose of signing up for GMAC Direct Pay. There will be a charge for any additional days. Contact GMAC at 1-800-200-4622 for additional information. If you are a potential GMAC customer, advise your dealer of your due date preference before you sign your contract. top
Can I withdraw payments from my savings account?
Yes. GMAC recommends that you verify the correct transit routing number and bank account number with your financial institution before enrolling in GMAC Direct Pay online or submitting your GMAC Direct Pay authorization form. top
How can I stop GMAC Direct Pay?
Stopping GMAC Direct Pay is hassle free. Simply go online to the GMAC Account Center at least 4 business days before your due date and select the "Change Direct Pay" option from the Action drop down menu on the Account Summary page. You may also stop or suspend GMAC Direct Pay by calling GMAC at 1-800-200-4622. top
Can GMAC Direct Pay be entered on more than one GMAC account?
Yes. When enrolling through the mail, you may include all of your GMAC account numbers on the authorization form. When enrolling on-line, you must complete the entire authorization agreement process for each of your accounts. top
What is GMAC Direct Pay?
GMAC Direct Pay is a payment option that automatically withdraws your monthly payment from your checking or savings account. GMAC does not charge for this service. This process eliminates the hassle and expense of writing and mailing a check every month. top
How do I sign up for GMAC Direct Pay?
There are four easy ways to sign up for GMAC Direct Pay:
- Register on GMAC Account Center by creating a profile, adding your automotive account, and selecting "Enroll in Direct Pay" from the Action drop down menu on the Account Summary page.
- Use the PIN and authorization form included in the GMAC Welcome Package, you received shortly after financing or leasing a vehicle through your dealer and GMAC. Call 800-200-4622 and follow the prompts to complete the GMAC Direct Pay enrollment process.
- Complete and mail the authorization form included in the GMAC Welcome Package, mailed shortly after financing or leasing a vehicle through your dealer and GMAC.
- Obtain an authorization form by calling 1-800-200-4622.
What should I do if I change banks?
You have two convenient options:
1) Log on to GMAC Account Center and select the "Change Direct Pay" option and follow the steps to enter your new bank account information and complete a new authorization.
2) Contact 1-800-200-4622 to request a new GMAC Direct Pay Authorization Form. You can fax it to 800-509-4622. Attention: GMAC Direct Pay Authorization.
Upon successful submission, pending and/or future authorized payments to your account will be made from the updated Bank Account. If you are mailing your new authorization form, allow 4 business days plus mailing time for the changes to become effective.
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