Personal Vehicle Financing

Explore your options.

Locate a dealer that offers Ally auto financing.

Financing that fits.

Buy a vehicle

With a wide selection of financing options and flexible terms, we can help you keep your monthly payments where you want them.

Flexible terms for virtually any budget.

Online account management. Check your payment status, balance and statements anytime, anywhere.

Easy payment options. Set up monthly or one-time payments from your checking or savings account.

On-the-go access. Keep tabs on your account with the Ally Mobile App.

Specialty vehicle financing. Many of our financing options offer flexible terms that help cover accessibility needs like wheelchair lifts and right-hand drive capability.

Lease a vehicle

Ally SmartLease® has shortened financing terms that give you the flexibility to drive a new vehicle more often.

Shorter terms, more flexibility.

Lower payments. Leasing usually means your monthly payments are lower than buying.

Trade up more often. A lease allows you to drive a new car more often.

Looking for rates? Visit your nearest dealer to see if you qualify

What to know about financing.

A little knowledge goes a long way.

We know auto financing is complicated. Just remember that it’s ok to learn as you go. Here are a few tips to get you started on the right track.

Shop around

The only way to ensure you’re getting the best possible rate on your financing is to do your homework. While you can usually get financing through the dealership, you should also get quotes from local banks, online banks and credit unions. And don’t forget to ask about rebates and incentives. Your credit score can also have a significant impact on your rate, but the rate you’re quoted will also depend on the lender. Learn how your credit score can impact your rate.

Talk it out

Once you have an idea of which lenders can offer the best rate, you can often negotiate that rate even lower. Since auto dealerships often have more flexibility than other lenders, your dealership may be willing to match or beat quoted rates from other lenders. Make sense of the financing process.

Buy or lease?

While buying tends to be most people’s default option, a lease can be the perfect solution for someone who prefers to drive a new car every 2 or 3 years and wants to keep monthly payments reasonable. There are advantages and drawbacks to both buying and leasing, so make sure you research both options to find the best fit for your situation. Compare your options.

Get the picture

Getting a low rate is great, but remember that it’s only part of the picture. Make sure you have a clear understanding of the total amount you’ll be paying over the life of the financing plan when factoring in the length of the contract, cost of insurance and potential fees. Our monthly payment calculator can help give you a better idea of what you’ll be paying every month.

FAQs

We have answers.

The easiest way to make a payment is to log in, find your vehicle account in your Snapshot, and select Make a Payment—you can pay using your checking or savings account. You can also select Payments to enroll in Auto Pay.

Pay using a debit card

You can make a one-time online debit card payment through CheckFreePay. You'll need to have your vehicle account number, your debit card number, and your ZIP code on hand. Keep in mind: CheckFreePay is a third party that charges a $3.75 fee for its payment services, which is in addition to your payment amount.

Additional or early payments

You can make additional or early payments, however, we can't accept them from Direct Pay customers. If you'd like to make extra payments online, you'll need to cancel Direct Pay and enroll in Auto Pay. Or, give us a call at 1-888-925-2559.

Paying off your vehicle

In most cases, you can pay off your financed vehicle online. Log in, choose the vehicle from your Snapshot, then select Payments, then View Payoff Quote. If you leased your vehicle, you’ll want to choose Lease-End Options. Follow the instructions to view your estimate and pay off your vehicle.

Still have questions? Visit our Help Center.