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Personal Auto Finance and Lease

Your dealership goals are ours, too.

Dealer Hero Personal Finance

Flexible options for your customers, unparalleled industry knowledge and support for your dealership.

Retail Finance

Key Features:

  • Traditional retail financing with competitive buy rates

  • For new vehicles and used 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

  • CPOV Program allows valuation up to $1,000 above the guidebook value

  • Flexible terms

SmartLease® for New Vehicles

Key Features:

  • Consumer-friendly return policy

  • Comprehensive lease training

  • Automatic GAP protection

  • Straightforward excess wear guidelines

  • An available Single Pay option lessees can choose instead of monthly payments

  • Multiple lease-end options

  • Flexible terms

  • OEM relationships that result in affordable and uncomplicated lease products for new models

Another Way to Drive BusinessSM

Whether your customers are looking to purchase or lease a new vehicle, Ally provides industry-leading services and benefits that include:

For your customers

  • Easy online account management

  • A mobile app that enables customers to schedule and cancel payments, anytime, anyplace

  • Convenient online statements that customers can view and print whenever needed

  • Auto Pay, an option that allows customers to set up an automatic withdrawal from their checking or savings account on a day they choose

For your dealership

  • Prime and non-prime products to accommodate a range of customers

  • RouteOne® and Dealertrack® integration for easy application submission

  • Online access to dealer resources such as payoff quotes, a vehicle return tool, forms and calculators

  • Lease-end opportunities  to engage customers and pursue repeat business


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