Personal Vehicle 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 Auto Mobile Pay 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.

Lease pre-owned. Lease eligible pre-owned vehicles with Pre-Owned SmartLease.℠.

Ally Buyer’s Choice

Ally Buyer’s Choice combines the advantages of buying and leasing, giving you the option to continue making your regular lease payments or sell your vehicle to us at a predetermined price and date.

Ownership with flexibility

How it works:

At either 48 or 60 months on your Special Prepayment Date, you can:

  • Sell your vehicle to Ally at a predetermined price (minus excess mileage and wear)
  • Keep the vehicle and continue making payments until the end of the contract term

Ally Buyer’s Choice is available in every state except Nevada.

Ally Balloon Advantage℠

Ally Balloon Advantage keeps your monthly payments lower by attaching a larger portion of your payment to the end of your contract.

Lower monthly payments

How it works:

  • Ally Balloon Advantage includes a fixed APR and monthly payments throughout the contract with a larger payment at the end
  • You can sell or trade in your vehicle at any time as long as you pay off the remaining balance

What to Know About FinancingA 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.

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.

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.

Get the Big 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.

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