Ally Personal Auto Finance Products

RetailSmartLease®Ally Buyer's ChoicesmAlly Balloon Advantagesm
For customers who prefer complete ownership of the vehicleOffers the flexibility to drive a new vehicle more oftenCombines the best of buying and leasing; ownership with flexibility. Provides customers with choicesOffers reduced monthly payments with a larger balloon payment at the term end
Customer owns the vehicleCustomer does not own the vehicle and may return it or purchase it, at the end of the lease termCustomer owns the vehicle but can prepay their contract by selling the vehicle to Ally at a predetermined price at 48 or 60 monthsCustomer owns the vehicle
No limitsFlexible mileage options. Customer is charged for excess mileage above the amount agreed to in the lease agreementMileage limits only apply if the customer chooses to prepay by selling the vehicle to AllyNo limits
Customer chooses when and what to repairCustomer must operate within set maintenance and wear-and-tear guidelinesMaintenance level is only a factor if the customer intends to sell the vehicle to AllyCustomer chooses when and what to repair
Customer makes regular monthly payments for the vehicle over term of the contractCustomer makes regular monthly payments and returns the vehicle to Ally at the time of lease maturityCustomer makes regular monthly payments for the vehicle over the term of the contract; customer can prepay by selling the car to Ally at a predetermined price after 48 or 60 months of useCustomer enjoys reduced monthly payments in exchange for a larger balloon payment at the end of the contract
Every US stateEvery US stateEvery US State except NevadaAvailable in every state except Maryland, Nevada, New Hampshire, North Carolina, and Pennsylvania
All new and used vehiclesAll new vehicles listed in the RVLGAll new GM, Chrysler and Mitsubishi vehicles excluding dealers in the state of Nevada

New – all GM, Chrysler and Mitsubishi vehicles

Used – all vehicles except Saab and Suzuki

Excludes dealers in Maryland, Nevada, New Hampshire, North Carolina, and Pennsylvania

Customer owns the vehicle

Traditional retail financing with flexible terms

Standard buy rate options along with supported rates for select OEM programs

Online account access

Electronic Statements

Mobile auto account application

Flexible lease terms

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

Online account access

Electronic Statements

Mobile auto account application

Customer owns the vehicle

Two available mileage options – 15,000 miles/year standard or 12,000 miles/year low

Flexibility to get into a new vehicle more often

Choices at the special prepayment date

Finance contract can be paid down or paid off at any time without penalty

Annual Percentage Rate (APR) and payments remain the same for the entire term

Customer owns the vehicle so they can sell or trade it in at any time as long as they pay off the remaining amount owed

Annual Percentage Rate (APR) and the payment schedule are fixed over the entire term of the contract

No driving mileage restrictions

Online tools and resources

Attentive service from experienced account executives

Eligible standard rate contracts earn Ally Dealer Rewards

Shortens trade cycle

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

May increase customer traffic back to your dealership at lease end

Eligible contracts earn Ally Dealer Rewards

Flexibility to shorten the customer’s buying cycle

Provides an avenue for dealers to purchase used vehicles sold to Ally

May increase customer traffic back to your dealership at the Special Prepayment Option date

Eligible standard rate contracts earn Ally Dealer Rewards

Eligible standard rate contracts earn Ally Dealer Rewards