Dealer Help Desk:

Business Auto Finance and Lease

Business Auto Finance and Lease

Solutions that keep your business customers in the driver’s seat.

Business Auto Finance and Lease

Solutions that keep your business customers in the driver’s seat.

We’ve got the team, expertise and products you need to meet the auto financing goals of your business customers, from funding aftermarket customizations to building a fleet.

Contact Us

Contact Us

1-877-602-3343
Mon – Fri, 9 am – 7 pm ET

We’ve got the team, expertise and products you need to meet the auto financing goals of your business customers, from funding aftermarket customizations to building a fleet.

Contact Us

Contact Us

1-877-602-3343
Mon – Fri, 9 am – 7 pm ET
csghelpdesk@ally.com

Commercial Services Group (CSG)

Commercial Services Group (CSG)

Our business is your business, and our CSG team is ready to help you achieve your goals.
We offer:

•   Expert assistance – Commercial Product Specialists with advanced knowledge of commercial auto financing and leasing to provide you with expert guidance and answer your questions

•   Dedicated support for you – A team that only serves dealers with commercial lending, so it’s easy to get support in sales, underwriting, funding and servicing, seven days a week

•   Superior service for your customers – A dedicated customer service team to personally assist your business customers, because satisfied customers are more likely to do business with your dealership again

Finance Products

 

Retail Finance and SmartLease®

Financing solutions for business customers who want predictable costs and competitive rates.

ComTRAC® Lease

An open-ended lease that gives businesses more control of leasing terms and mileage.

Municipal Lease-Purchase Plan

A plan specifically designed for municipalities that intend to own their vehicles.

SmartLease®

Available for personal and business customers for select makes and models

ComTRAC®

Available for business customers only

Municipal Lease-Purchase Plan

Available for eligible municipalities

VEHICLE TITLE

SmartLease

Vehicle is titled in Ally’s name

ComTRAC

Vehicle is titled in Ally’s name

municipal lease

Vehicle is titled in the municipality’s name; Ally holds the lien

VEHICLE USE

SmartLease

Vehicle is for business or personal use

ComTRAC

Vehicle is for business use more than 50% of the time

municipal lease

Vehicle is only used for essential government work

UPFITS

SmartLease

N/A

ComTRAC

Most upfits are eligible (contact your underwriting representative)

municipal lease

Most upfits are eligible (contact your underwriting representative)

RESIDUAL VALUE

SmartLease

Ally determines residual value

ComTRAC

Variable based on term and can be set as low as 0%

municipal lease

$1 residual

PAYMENT TERMS

SmartLease

Customer makes regular monthly payments or has a one-time payment option

ComTRAC

Customer makes regular monthly payments

municipal lease

The customer has flexible monthly, quarterly, semi-annual and annual payment options

MILEAGE CHARGES

SmartLease

Customer must pay over-mileage charges, if any

ComTRAC

No mileage limits, but mileage may impact vehicle’s residual value

municipal lease

No mileage limits

EXCESS WEAR CHARGES

SmartLease

Customer must pay excess wear charges, if any

ComTRAC

No excess wear charges, but excess wear may impact vehicle’s residual value

municipal lease

No excess wear charges

RESIDUAL RESPONSIBILITIES

SmartLease

Closed-end lease – customer is not responsible for residual value at end of lease

ComTRAC

Open-end lease – customer is responsible for residual value at end of lease

municipal lease

Customer is responsible for $1 residual value at end of lease

DISPOSITION FEE

SmartLease

Up to $395 (limitations apply)

ComTRAC

$250 ($500 medium duty)

municipal lease

None

AVAILABILITY

SmartLease

Every US state

ComTRAC

Every US state

municipal lease

Every US state

MAKES

SmartLease

Qualifying vehicles as listed in the Residual Value Lease Guide (RVLG)

ComTRAC

New and used passenger vehicles

 

Passenger cars, light-duty trucks and medium-duty trucks

 

Most upfitted vehicles

municipal lease

New and used (less than 1 year old) passenger cars

 

Passenger, light- and medium-duty trucks

 

Certain upfitted vehicles

 

Emergency vehicles

CUSTOMER BENEFITS

SmartLease

Flexible terms, including 12 – 60 month lease lengths and 10,000 –15,000 mileage options, to better meet customer budgets

 

Supported lease terms for select OEM programs in addition to our standard lease terms

 

Most SmartLease terms end before the new vehicle limited warranty ends, so the manufacturer typically pays for major coverage repairs during the lease term

ComTRAC

Financing of a wide range of commercial vehicles, including those with unusual or specialized upfits, high mileage requirements, or abnormal depreciation

 

Flexibility in determining monthly payments so customers can manage their cash flow

municipal lease

Flexible financing and payment schedules

 

The ability to acquire vehicles when needed, not just certain times of year

 

Clear documentation with clauses that municipalities often require

 

Budget-friendly terms

DEALER BENEFITS

SmartLease

Terms designed to attract and retain customers while helping build loyalty to your dealership

 

Access to a number of useful tools and resources for registered users of Ally Dash

 

Ally Dealer Rewards earnings for eligible standard rate contracts

ComTRAC

Potential for improved customer retention and repeat business

 

Residuals that are tailored to meet your customers’ business requirements

 

Another leasing option for your commercial customers

 

May help reduce customer concerns over unexpected lease-end cost (though customer is responsible for the residual at lease-end)

 

Access to a number of useful tools and resources for registered users of Ally Dash

municipal lease

A new market for your dealership

 

Access to a number of useful tools and resources for registered users of Ally Dash

Heavy Duty Truck Financing

We offer financing for new and used Class 8 trucks and trailers; restrictions may apply. Benefits of working with us include:

 

•   Competitive rates

•   Ally Dealer Rewards available for new and used trucks and trailers

•   Knowledgeable underwriters with callback times averaging less than 30 minutes

•   Dedicated Commercial Product Specialists nationwide

•   Business Name Only Financing available for qualified customers

 

 

You can apply easily and securely via AppOne, RouteOne and Dealertrack® for flexible terms up to 84 months on Class 8 vehicles:

 

•   Up to 6 model years old

•   With up to 750,000 miles, depending on collateral type

For more information, call us at 1-877-602-3343, Mon – Fri, 9 am – 7 pm ET.

Special Options

Commercial Line of Credit

Provides flexible, pre-approved credit for qualified companies to finance, lease and/or convert vehicles for business use through affiliated dealers and vehicle upfitters.

 

Ally now offers an online portal to upload documents required to process a Commercial Line of Credit Application. You can start uploading documents here.

Dealer benefits

•   Provides funding your customers can use to acquire vehicles from your dealership

•   Streamlines your dealership’s commercial vehicle delivery process

•   Enhances customer retention

•   Facilitates sales opportunities for upfits, service and F&I products

Customer benefits

•   Preserves bank credit lines for other commercial business needs

•   Credit line conditionally available for one year

•   Convenient billing and payment options such as Auto Pay and consolidated billing statements


Financing in the Name of the Business

With Ally there are 2 ways for your business customers to finance in the name of their business:

Business name only

If a business can qualify for financing without the owner’s guaranty, it can obtain financing in the business name only. This gives owners the ability to save their personal credit for other uses.

Third Party Guaranty

When a business owner wants to purchase or lease vehicles in the name of the business − but the business entity alone doesn’t qualify for the credit needed − the owner/officer may act as a third party guarantor.

•   Builds credit in the business name only

•   Keeps the debt off the business owner’s personal credit report, unless the owner acts as guarantor and is unable to pay in the event of a default

•   Protects the owner from liability related to the operation of the vehicle, since the owner’s name stays off the vehicle’s title and contract (unlike a co-buyer/co-lessee whose name appears on the title and contract)

FAQs 

We have answers. 

Yes. Our Third-Party Guaranty is designed to help keep business transactions at arm's length and personal names off the vehicle contract and title.

Business owners still provide the additional financial backing that we may require, while keeping the business obligation off their personal credit report, except in the event of default.

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