Retail Finance and SmartLease®

ExploreBusiness Auto Finance and Lease

Put Ally’s retail finance and leasing experience and our extensive product selection to work for you and watch your commercial business grow.

Key features

Retail finance

  • Traditional retail financing with competitive buy rates and flexible terms
  • For new and used vehicles or certified pre-owned vehicles (CPOV) with up to 10 model years/120,000 miles at inception
  • Products for prime and non-prime credit
  • Financing for aftermarket products
  • Standard rate options and supported rates for select original equipment manufacturer (OEM) programs
  • Used vehicle valuation based on either the SmartAuction® purchase price or book value, whichever is greater
  • A CPOV Program that allows valuation up to $1,000 above the guidebook value
  • Terms up to 75 months


  • A closed-end commercial lease that works like a personal lease with customers returning their vehicles at lease-end − available for select makes and models
  • Flexible options with lease terms that range from 12 − 48 months and annual mileage options that range from 10,000 − 15,000
  • Supported lease terms for select OEM programs in addition to our standard lease terms
  • SmartLease terms that end before the new vehicle limited warranty ends, so the manufacturer typically pays for major covered repairs during the lease term


  • Provides qualified business customers with a variety of financing or leasing options
  • Gives dealers more products to meet the needs of select business customers, helping them increase their sales and retention

Get a side-by-side view of lease products

Training courses

From the Ally Performance Development Center:

  • Commercial Services Business Vehicle Certification
  • Retail Process Overview
  • SmartLease
  • SmartLease Training/Consulting
  • SmartLease Contracting
  • Netquote and Residual Value Lease Guide (RVLG)
  • SmartLease Early Termination Vehicle Return Options

Access training to get started.

Quick tools and resources


Contact us

  • 1-877-602-3343
  • Mon – Fri, 9:00 am – 7:00 pm ET