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Why Mode?

Mode is a faster, simpler way to refinance your car or purchase your leased vehicle right from your phone or online. At Mode, we empower you to lower your payments or adjust your terms to suit your lifestyle. Simply put, we put the power of financing in your hands, any Mode.

You might like the leased vehicle you’re driving and want to keep it. But you may be facing excess mileage charges at the end of your lease. You wish there was a way to explore purchasing your vehicle without leaving your house.

Or, for those who’ve already purchased and financed their vehicle, you’re pretty sure you could get a better interest rate. But who has the time to deal with the paperwork and hassle of traditional auto refinancing? Mode is for you!

Mode is backed by GM Financial, a global provider of auto finance solutions with operations in North America, South America and Asia. So it’s financing you can trust.

How does it work?

We’ll ask you:
• Some basic questions about yourself and your vehicle.
• We’ll want to verify your ID and proof of insurance.
• Once we have that type of information, you could have an answer within 24 hours.
• If you’re approved, we’ll email you a contract to e-sign.

Your new loan will be serviced by GM Financial, and you’ll receive a welcome packet from us in the mail with information about your new vehicle registration, once we’ve paid off your previous loan. We’ll also tell you how to set up your new GM Financial account. All in all, it’s a smooth process you can complete right from your couch.

Lower your payments, not your expectations, with Mode.

What’s New

Version 1.0.27770

Framework Update

Ratings and Reviews

4.5 out of 5
97 Ratings

97 Ratings

Bdhjr ,

Garbage App

Good luck trying to even submit your information with this crap app. It locks up. Other times hitting submit button has no response at all. Then you get “oops we are experiencing technical difficulties at the moment”. Tried to delete and re-download. Nothing but the same.

Xxgamerada ,


I received an email “you have been approved”. After calls, emails, submitted DL, Proof of Insurance. Payoff letter, paid to print title paperwork and submitted it an hour later “I’m sorry but we can’t finance your vehicle” Is this a joke??? Is this a Scam finance company? I would NOT recommend MODE to anyone..

fjytuj ,

New app/update needed

Trying to refi my vehicle. Everything went pretty smooth up to the insurance section. You can’t upload a document at all. It keeps saying they’re having tech difficulties then today it just froze. Came to app to see if an update was needed and it doesn’t need one. I have to just email the docs, would be nice if the app would work though. Hate seeing it say the doc I’m trying to send is still needed as if I’m not trying to send it or already sent it.

App Privacy

The developer, GM Financial, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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