Enjoy the excitement of a new vehicle if you return your current leased Cadillac and find a new Cadillac to lease or purchase. Save time at the dealership by applying online now.
Buy your Cadillac at any point during your lease. Visit your preferred Cadillac dealership to discuss your options.
Schedule an appointment at your Cadillac dealership to discuss next steps and a pre-return inspection before returning your Cadillac.
Before you make a final decision on returning your lease, make sure to check out our latest offers.
If you finance or lease a new Cadillac or GM vehicle at lease end, you may be eligible for a partial waiver of excess wear charges with your remaining balance paid in full.
If you finance or lease a new Cadillac or GM vehicle at lease end, or exercise the purchase option of your lease agreement, you may be eligible for your disposition fee to be waived, along with a partial waive of excess wear fees. To take advantage of this offer, contact the Cadillac Financial Concierge team upon receipt of your lease-end invoice.
Waiting on a custom-order vehicle? Cadillac Financial offers a one-month automatic lease extension 11 days after your contract term date if you do not return your leased vehicle. We will notify you through email or mail that you have received the extension.
Your originating Cadillac dealer is best qualified to assist you with the lease-end process. If you’ve moved a significant distance since you leased your Cadillac, or you would like to turn it in at another dealership, please contact our Concierge team for assistance.
Contact your originating Cadillac dealer to assist with obtaining a price, or call our Concierge team. Have your account number, Social Security number or vehicle identification number (VIN) available to help us locate your account.
If you exercise the purchase option of your lease agreement, you may be eligible for your disposition fee to be waived, along with a partial waive of excess wear fees. To take advantage of this offer, contact the Cadillac Financial Concierge Team upon receipt of your lease-end invoice.
Both a co-buyer and a guarantor sign a contract to confirm they will assume financial responsibility if you are unable to pay. However, a co-buyer’s name will be listed on the contract and the title, while a guarantor’s will not. Debt will also be recorded on the co-buyer’s personal credit, but not on the guarantor’s.
Yes, you are responsible for any applicable tolls, tickets, property tax or fees assessed during your lease agreement. The initial bill will be sent to us. Setting up a toll tag (an electronic payment method that automatically pays for tolls as you drive through them, such as E-ZPass) is an easy way to avoid additional issues or late fees.
For property taxes, we will add the charge to your monthly billing statement and mail you a letter to notify you of this charge. Property tax bills can still be received up to 18 months after your lease has ended.
For tolls and tickets, we will email and/or mail you a letter about how to pay the tolling authority directly, as we do not collect amounts owed to these authorities. You will only see charges on your account if you do not pay the billing authorities by the stated due date.
We are required to report accurate information to the credit bureaus. If you believe we have reported inaccurately, you may dispute your information directly with them or by writing to us at:
Cadillac Financial
Attn: Customer Experience Support
P.O. Box 181145
Arlington, TX 76096-1145
When sending in your dispute, please include the following information:
We are not able to honor requests for goodwill credit adjustments (the removal of valid reporting history from a credit report).
Your privacy is important to us, and we understand that you expect us to safeguard your personal financial information in a secure manner. For more information, review the privacy policy for lease customers.
Simple interest is an interest accrual method. Interest accrues on a daily basis on the unpaid principal balance on the account. Each payment you make will first pay down any accrued interest, then the rest will apply to the principal or other applicable fees. You can calculate simple interest by multiplying the daily interest rate by the principal by the number of days that elapse between payments. Learn more about simple interest.
If you have a closed-end lease (The Right Lease®), you have the option to:
If you have an open-ended lease (The Right TRAC®), you have the option to:
Cadillac dealerships are an excellent source of information for your end-of-lease options. They can answer questions about the process for returning your Cadillac, the inspection required, excess mileage concerns and final invoices.
Learn more about the end-of-lease process.
There may be several options available to return your Cadillac early, depending on your scheduled termination date. Contact the originating Cadillac dealership for details, or call our Concierge team.
If you return your leased Cadillac and have exceeded the allowed mileage in your lease agreement, you will be charged for the additional miles. These charges are detailed in your lease agreement.
If you turn in your leased Cadillac, you are responsible for any excess wear charges, remaining payments, excess mileage charges, fees, taxes and/or citations.
A Form 1099-C is sent to a customer when a debt of $600 or more is canceled.
The IRS may consider the debt or portions of the forgiven debt as income leading to a one-time tax charge. A tax adviser or the IRS can assist you on what to do with the form.
If you want to pay any portion of the amount reported on the Form 1099-C, please contact our Concierge team.
The reported dollar amount on Form 1099-C is the remaining balance that has been canceled by your creditor. If you have any questions regarding the tax consequences of the Form 1099-C, reach out to your tax adviser or the IRS.
TINs are unique numbers used by the Internal Revenue Service (IRS) to help identify businesses.
You can redeem your points on the My Cadillac Rewards website. Simply log in and view the current offers on the “Redeem Points” page. Once you find the offer for which you want to redeem your points, click “Learn More & Redeem” to start the transaction.
Don’t have a My Cadillac Rewards account? Sign up today to get started.
When an account holder passes away, Cadillac Financial needs a copy of the death certificate and executor of estate, if applicable, to update their account.
You can send the required documents to the following address:
Cadillac Financial
P.O. Box 183581
Arlington, TX 76069-3581
For more information, call our Concierge team.
OnStar® is a GM subscription-based service that offers features such as in-vehicle security, emergency services, turn-by-turn navigation, remote diagnostics and more.
Have questions? Press the blue button in your Cadillac or call OnStar Customer Service at 1-888-466-7827.
Fill out an online application to apply for prequalification. Prequalification determines if you’re likely to qualify for financing. It’s the first step in the process for credit approval.
After prequalification, you can submit a credit application through a Cadillac dealership. If you choose not to prequalify, you can still submit an application through a Cadillac dealer.
If you're not prequalified, follow up with the Cadillac dealer selected in your application for assistance with your Cadillac shopping and financing needs.
The balloon payment option can be selected when purchasing certain EVs and allows customers to make smaller monthly payments over the life of the contract and then pay a large lump sum at the end. Please note that state exceptions may apply.
Generally, there are three things you can do at the end of your contract if it includes the balloon option. Please reference your contract addendum, as some state exceptions may apply:
If your contract includes a balloon payment option and you choose to purchase your vehicle or refinance the amount of the balloon payment, you will need to pay your balance. If you choose to sell the vehicle back to us on the scheduled due date of the balloon payment, you will need to pay any part of the contract balance that remains unpaid after we subtract the option sales price. Please refer to your contract addendum to confirm the option sales price.
Cadillac Financial may provide authorization to transport your vehicle if your orders allow it. To get started, follow the steps of the Authorization to Travel for Military form.
Cadillac Financial may provide authorization to transport your vehicle to Mexico or Canada. To get started, follow the steps of the Authorization to Travel for MX-CAN form.
Cadillac Financial may provide authorization to transport your vehicle to US Territories and HI. To get started, follow the steps of the Authorization to Travel for US Territories & HI form.