Retail Finance and SmartLease®

Versatile options for flexible needs.

Business customers face unpredictable challenges. We offer a variety of financing and leasing options with predictable costs to help them reach their goals – and to help you grow sales and increase customer retention.

Retail Finance

Key Features:

  • Traditional retail financing with competitive buy rates and flexible terms

  • Available for new vehicles, used vehicles up to 12 model years and 120,000 miles, and certified pre-owned vehicles up to 10 model years and 100,000 miles or less at inception

  • Products for prime and non-prime credit

  • Financing for aftermarket products

  • 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 84 months

SmartLease®

Key Features:

  • 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 lease terms that range from 12-60 months​

  • Standard annual mileage of 15,000/year with additional options to fit your needs

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

FAQs

We have answers.

You can calculate lease payments with NetQuote.

To use NetQuote, log in to Dash and select it under Rates & Calculators.

Yes. We have several training courses to help you succeed with SmartLease.

  • SmartLease goes over the benefits of leasing, how to calculate capital costs, mileage charges, the lease termination process and more

  • SmartLease Training/Consulting shows managers how to coach their staff on SmartLease

  • SmartLease Contracting covers program specifics, explains the tools used to prepare SmartLease agreements and demonstrates NetQuote and the Residual Value Lease Guide

  • SmartLease Early Termination Vehicle Return Options reviews the early termination return options and how to use the vehicle return calculator

Visit Ally Academy to enroll in one of these courses. Most are offered online 24/7, with select courses available for on-site instruction at your dealership.

Send us an email at DealerProgram@ally.com to get in touch with a representative.

Yes. We retail finance the purchase of used and certified pre-owned vehicles that are less than 10 model years old and have an odometer reading of 120,000 miles or less at inception.

You can approximate this with the Residual Value Lease Guide (RVLG). To access the RVLG, log into your Dash account and select Rates and Calculators.

We offer financing for new and used vehicles for business applicants who qualify.

Still have questions? Visit our Help center