A message for our Ally community about coronavirus (COVID-19).

We’re all in this together, and we’re here to help.

Updated on: 3/30/2021

Financial Health & Support

This is a challenging time, and while news is constantly changing, one thing will remain the same: you have an ally in us. In addition to offering relief measures, we’re making sure you can connect to the financial services you need and empowering our teammates to support you any way they can.

Your focus

Protecting your personal and financial health.

  • Make sure the personal information in your online profile is correct, so you never miss an update from us
  • Download the Ally Mobile app or Ally Auto Online Servicing app
  • Enroll in online services if you haven't already

  • We encourage you to use our online experience to stay connected to your account, especially if call wait times are longer

  • Be extra vigilant about online security, as coronavirus-themed scams and phishing attempts have been reported
    More online security tips 
  • Follow the latest COVID-19 information, prevention, and safety tips at cdc.gov or who.int

Our focus

Supporting you, your community, and employee safety.

  • For current homeowners facing financial hardship, we may be able to offer payment assistance optionslike a repayment plan or loan modification
  • Existing auto customers may have the option to defer their payment
  • Pledged $3 million to help address the emergency needs of our communities
  • Enabled our employees to work remotely until further notice, and offering additional family care benefits, support programs and flexible time off
  • Offering a free online tool through an independent company, SpringFour, to help you find local resources that can assist you with financial, health and other needs.

This is an unprecedented situation, and we’re doing everything we can for those impacted. 

Like most of you, many of our associates are working from home to care for themselves and their families. We ask for your understanding if you hear a child or pet in the background and appreciate your patience if you experience longer wait times or we need to transfer your call to better help you.

Stay informed with the updates from us, always right here.

Check back often as we communicate new information or changes.



Mon-Fri, 8 am – 11 pm ET
Saturday, 9 am – 7 pm ET

  • Save yourself time, and log in to your account to see if you can defer your payment online
  • You can also call us if you need payment assistance, but keep in mind we’re experiencing longer call wait times 

What is a payment extension?

When you defer, we’ll extend your next scheduled payment, as well as all remaining scheduled monthly payments, to give you more time. After the extension period ends, you resume making your regularly scheduled auto payments. 


Will I pay more in finance charges with an extension?

Yes, if you’re financing the purchase of your vehicle, finance charges will continue to accrue on the unpaid balance at the contract rate, and by deferring one or more payments, you’ll pay more finance charges.   


How will an extension work with other policies associated with my contract?

Deferring your payments won’t extend the duration of GAP, maintenance, life, or disability insurance that may be included in your contract.


What’s required to set up an extension?

You’ll need make the payment required to finalize your extension based on the amount quoted and agree to the terms.


If I set up an extension now, can I modify my contract later if I need to?

You may still be eligible for a modification after you extend. However, you’re allowed a limited number of extensions, so you should only take one when you know you really need it.


What should I do if an extension doesn’t work for my situation?

We’re here to help you find what’s best for you right now. Call 1-888-925-2559 or chat with us online to discuss other options that may be available for you.


What should I do if I can’t pay to get my extension on the day I sign up online?

Call 1-888-925-2559 or chat with us online if you want an extension but can’t make a payment when you sign up online, and we’ll try to help.


Can I still make payments during my extension if I’m able?

Yes, feel free to continue making payments during your extension to reduce finance charges. Paying during your extension won’t reverse your extension or impact its length, and it won’t affect the number of extensions you can take in the future, either.


Will you cancel Auto Pay and payments scheduled during my extension period?

A payment extension won’t cancel Auto Pay or any previously scheduled payments for you. If you don’t want these payments to process during your extension period, you’ll need to cancel them.


How to cancel scheduled payments – If you’d like to cancel your upcoming one-time payment scheduled through Ally Auto, go to your Transactions.


Auto Pay – If you’re on Auto Pay, you can go to Edit Auto Pay from Payments and select Cancel Auto Pay to stop all future recurring payments. You can re-enroll in Auto Pay or reschedule payments at the end of your extension period (or whenever you’d like).


To cancel payments scheduled through your bank – You’ll have to go through your bank to cancel these payments — you won’t be able to cancel them through Ally Auto.


If I made a payment right before I set up an extension, what should I do?

We'll base your extension on the status of your account at the time you requested it. Canceling payments that you've already scheduled could impact your account status, which may affect the length of your extension or when your next payment is due.


Will late charges apply to my account?

No, we won’t charge additional late fees during your extension period.


At what rate will my finance charges accrue, and will they be compounded over the extension period?

Finance charges will accrue at your contracted rate and aren’t compounded during the deferral period or otherwise.


When will I pay off the finance charges accrued?

When you make your first regularly scheduled payment after the extension period, it will first be applied to satisfy any accrued finance charges and then to the outstanding balance. How long it will take to pay the finance charges accrued during the extension period will depend on the amount and timing of any payments you make.


What should I do if I don’t need my extension anymore?

You can make a payment at any time during your extension, and we’ll apply it as usual to your next scheduled payment.


What happens if my payment required to set up the extension doesn’t process due to insufficient funds?

If the payment you make for your extension returns, call 1-888-925-2559 or chat with us online to discuss options to replace that payment.


Will my due date advance?

Yes, your due date will advance based on the number of months you choose to defer. You can call us or check the vehicle details section of your Snapshot for your next payment due date and amount. 


Will deferring my payment impact my credit score?

Deferring your auto payment through Ally shouldn’t have a negative impact to your credit score, but it’s important to note that for most consumers, payments on auto contracts are just one of many items that impact their scores. 


Will deferring my payment impact my financing rate?

No, deferring your payment won’t impact your original contracted rate.


If I’m behind on my payments, can I still sign up for an extension?

Yes, you can still sign up for an extension if your account is past due. If successful, the extension will begin with your oldest unpaid payment.


Will I receive a confirmation when my extension has been processed?

Once your extension is processed, we’ll send you an email confirming the extension and also providing further details.


When will I see my next due date and amount due?

You can check the vehicle details section of your Snapshot to view your next payment due date and amount. You’ll also receive a billing statement with that information before your next payment is due.



Talk to a real person 24/7

  • If you make more than 6 withdrawals or transfers per statement cycle from your savings or money market account, we’ll refund the excessive transaction fee
  • You can continue to transfer money and make payments online as you normally would
  • It’s faster to deposit checks of $50k or less online, with Ally eCheck depositSM - for the best experience, deposit your check using the Ally Mobile app 
  • Access your statements and tax forms online, any time – log in to your account and go to Tax Forms from your Snapshot

Home Loans

Home Loans

Questions on rates or a loan in process


Mon-Fri, 8 am – 10 pm ET

Saturday, 10 am – 4 pm ET


Home loan servicing


Mon-Fri, 8:30 am – 8 pm ET

Saturday, 8:30 am – 5 pm ET

Sunday, 12 pm – 4 pm ET

  • Home loan servicing support is available every day
  • We’re still moving forward with home loan applications, and our experts are available to help with any questions

What happens if I can't make a payment?

If you are facing financial hardship due to an interruption in your income, we may be able to offer you assistance through several options including our repayment plan or full loss mitigation modification. Contact us at 866-401-4742 to speak with your service representative to determine which course of action is most appropriate for you.


What should I do if I previously submitted an online form for assistance or spoke to an agent and haven’t heard anything back on my request?

We’ve received many requests and are working hard to complete them. Rest assured, we’re still reviewing your inquiry, and you’ll soon receive a letter with a decision and/or request for more information, depending upon which type of loan you have. Allow 7 to 10 business days for processing.


If I’m unhappy with what is offered and want to escalate a complaint, who can I speak to?

Ask to speak with a member of our Service Excellence Team (866-401-4742). Keep in mind, we are experiencing longer call wait times right now. We appreciate your patience.


If I need to stop my ACH payment, what can I do?

For faster service, stop a payment by logging in to your online account at ally.loanadministration.com. You can also contact us at 866-401-4742, but remember, we are currently experiencing longer call wait times. In order to stop an ACH payment, we’ll need 2 business days advance notice from the scheduled draft date. Also know, you won’t be able to suspend your automated monthly draft payment, only cancel. If you’d like to eventually resume it, you’ll need to re-enroll. 


Do I need to do anything to stop my automated monthly drafts if I’m placed on a deferral plan?

If you decide to temporarily defer payments, we’ll automatically place your ACH monthly drafts on hold. You won’t need to take any further action. The draft will resume once the plan has been completed.


If my account is active on a forbearance or deferral plan, will I still receive billing statements?

Yes, we are required to send customers a billing statement every 30 days. Refer to your forbearance letter, which outlines your individual terms. You will not be required to make any payments during the plan period. Negative credit reporting and late charges will not occur during the duration of the plan. We are also required to send certain delinquency status letters to ensure compliance guidelines.


Will I be contacted at any point if my account is currently active in or recently finished a forbearance plan?

Toward the end of your forbearance plan, we contact you by phone and by mail to update your status and provide you with additional information about your next options.


If I'm in foreclosure, how will this impact that process?

Evictions/foreclosure proceedings are currently suspended.

Are there any alternatives to in-person appraisals?

Though in-person appraisals may be required depending on your loan type, in some cases a drive-by appraisal may suffice. If an interior appraisal is required for your scenario, we’re asking appraisers to observe recommended social distancing standards (such as keeping at a distance, not touching objects unnecessarily, and staying home if they feel unwell).


Will there be delays to the closing process during this time?

There may be delays in some counties due to reduced staffing or reduced hours. If there are delays to your loan or we’re unable to proceed with your loan for any reason, we’ll be sure to communicate that to you.


Am I able to close remotely or electronically instead of in person?

Our closing process requires a notary. We’re asking that notaries observe recommended social distancing standards. We’re also working to minimize the amount of time spent with the notary by allowing you to sign many documents electronically in advance of your closing appointment, where permitted by law.


  • Invest support is available every day, 24/7 to help answer your questions
  • You can continue to move money and make transfers online as you normally would
  • If you have an Ally Bank account, it’s faster to deposit checks of $50k or less online (instead of by mail) using Ally eCheck DepositSM, then transferring that money to your invest account – for the best experience, deposit your check through the Ally Mobile app 
  • Paperwork sent by mail is taking longer to process – log in to your account and upload your documents instead

How long do online transfers take?


Ally Bank accounts:
Online transfers between Ally Bank accounts are immediate.


Standard transfers between Ally Bank and non-Ally Bank accounts, requested before 1 am ET Monday – Friday, will take 3 business days.


Transfers eligible for next-day delivery between Ally Bank and non-Ally Bank accounts, requested before 7:30pm ET Monday – Friday, will take 1 business day.


Keep in mind, transfers between banks aren’t processed on weekends and federal holidays, so transfers take longer at those times.


We determine eligibility for next-day transfers based on account tenure (so new accounts aren’t eligible), account activity, and transfer activity such as overdrafts and returns. To combat fraud, we are selective about when we offer next-day transfers.


Between Ally Bank and Ally Invest accounts:
Transfers between Ally Invest accounts are processed between 8 am ET and 3:55 pm ET, Monday – Friday. During this time:

  • Transfers from Ally Bank to Ally Invest accounts take 1-2 minutes
  • Transfers from Ally Invest Self-Directed to Ally Bank accounts take 1-2 minutes
  • Transfers from Ally Invest Managed Portfolio to Ally Bank accounts can take up to 5 business days since we have to rebalance your portfolio


Learn more about transfers in our Transfers Tutorial.


How do I update my contact information?

Log into your account and select More, and then choose Profile and Settings.

Ally Lending (formerly HCS)

Ally Lending (formerly HCS)

Billing questions (healthcare loans only)

Mon-Sat, 8 am – 10 pm ET


General account questions (healthcare loans only)

Mon-Fri, 8 am – 8 pm ET

Saturday, 10 am – 5 pm ET





  • We’re still moving forward with loan applications, and available to help with questions
  • You can continue to make payments online as you normally would – log in to your account to pay online or set up autopay

Which username did you forget?

Forgot your bank or invest username?

Call us 24/7 for help.

Bank 1-877-247-2559

Invest 1-855-880-2559