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Auto Refinance

Switch to Ally and discover if you’d save by refinancing.

Find out if you pre-qualify in minutes with no credit score impact. Get personalized options and decisions online.

How online refinancing works.

Step 1

Fill in your information to see if you pre-qualify with no impact to your credit score.

Step 2

Choose an offer that best fits your financial goals and submit an application for approval.

Step 3

Sign your loan agreement and provide needed information.

If you’re ready to refinance, there are a couple of things to keep in mind before you apply.

You can only refinance your vehicle with Ally if your current financing is through another lender, and if your vehicle isn’t financed in Nevada, Vermont, or the District of Columbia. If you’re looking to explore payment assistance, you can log in to your Ally online profile  and select your vehicle account, or call us at  1-888-925-2559 .

Find out if you'd save by refinancing.

Get personalized APR and monthly payment options online in minutes if you pre-qualify.

  • No SSN and no credit score impact

  • No application or document fees

  • Easy online application process

Refinance Your Vehicle

What you should know.

If you decide to refinance, you may be able to lower your monthly payment or reduce your APR. Note that during the transaction, loan fees such as title and government fees may apply. If you choose a loan term that is longer than the term remaining on your existing auto financing, you will pay interest over a longer period of time. As a result, the overall cost of your loan could be higher. Consider this when determining if refinancing is right for you.

We offer additional coverage options you can easily add during the process.

Help protect your finances against a total
loss event with GAP.

Financing for Guaranteed Asset Protection (GAP) is available to eligible loan customers.

Get peace of mind with extended
vehicle coverage.

Financing for vehicle service protection options is available to eligible loan customers.

Looking for something else?

If vehicle refinancing doesn’t apply to your situation, you can explore lease buyout options instead.


We have answers.

Still have questions? Visit our Help Center .