GM Financial, headquartered in Fort Worth, Texas, is a subsidiary of General Motors (GM) and operates as the company's global captive finance company. It was established in 1992 as the financing arm of General Motors and has since grown to become one of the largest automotive lenders in the United States. GM Financial provides a range of products and services, including retail and lease financing, commercial fleet leasing, dealer financing, and insurance services.

It offers financing for new and used vehicles, both to individual customers and commercial fleets. The company works closely with GM dealerships to provide convenient financing options to customers purchasing GM vehicles. On a global scale, GM Financial operates in North America, South America, Europe, and Asia.

It has various noteworthy subsidiaries, including GM Financial International Operations, GM Financial of Canada, and GM Financial India. The company also has joint ventures with local partners in several countries, such as Alphera Financial Services in Brazil. GM Financial has a strong market position, with a significant market share in the automotive finance industry.

It is particularly dominant in the North American market. The company faces competition from other automotive financial services providers, such as Ford Motor Credit Company and Toyota Financial Services. Despite competition, GM Financial has maintained its strong position through strategic alliances and innovative financial products.

Over the years, GM Financial has achieved several notable milestones. In 2010, it acquired AmeriCredit Corp, expanding its capabilities in subprime lending. This acquisition allowed the company to broaden its customer base and offer financing options to a wider range of consumers.

In recent years, GM Financial has also focused on expanding its international operations, tapping into emerging markets and diversifying its portfolio. As of the latest available data, GM Financial continues to thrive as a leading automotive finance company. It remains a crucial component of General Motors' business strategy, providing essential financing solutions to support the sales and growth of GM vehicles worldwide.

The company regularly adapts its product lineup and strategies to meet changing customer needs and market demands. GM Financial's commitment to innovation, customer service, and global expansion positions it well for continued success in the future