Retail Finance and SmartLease®

ExplorePersonal Auto Finance and Lease

Whether your customers are looking to purchase or lease a new or pre-owned vehicle, Ally offers flexible terms and industry-leading service.

Retail finance

Key features:

  • Traditional retail financing with competitive buy rates and flexible terms
  • 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
  • Terms up to 75 months

SmartLease® for New and Pre-owned 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
  • Maintenance products for pre-owned models similar to those offered for new vehicles

Vehicles eligible for pre-owned leasing

Eligible dealers should check back often for updates to this constantly expanding list of models:


  • Acura – ILX, MDX, RDX, TSX and ZDX
  • Audi – A3, A4, A5 and Q5
  • BMW – 3 Series, 5 Series and X3
  • Buick Enclave
  • Cadillac – CTS, Escalade and SRX
  • Chevrolet – Colorado, Corvette, Cruze, Equinox, Malibu, Silverado, Suburban, Tahoe and Traverse
  • Dodge – Challenger and Charger
  • Fiat 500
  • Ford – Edge, Escape, Explorer, F-150, Focus and Fusion
  • GMC – Acadia, Canyon, Sierra and Yukon
  • Honda – Accord, Civic, CRV, Fit, Odyssey and Pilot
  • Hyundai – Accent, Elantra, Genesis, Sonata and Veloster
  • Jeep – Cherokee, Grand Cherokee, Patriot and Wrangler
  • Kia – Optima, Rio and Sportage
  • Land Rover – Discovery Sport, LR4 and Range Rover Evoque
  • Lincoln – MKX and Navigator
  • Lexus – CT200h, GS350 and RX350
  • Maserati – Ghibli, Gran Turismo and Quattroporte
  • Mazda 3
  • Mercedes C Class
  • Mitsubishi – Outlander and Outlander Sport
  • Nissan – Altima, Frontier, Maxima and Rogue
  • RAM 1500
  • Subaru – Crosstrek, Forester, Legacy and Outback
  • Toyota – 4Runner, Avalon, Camry, Corolla, Highlander, Prius, Prius C, RAV4, Sienna, Tacoma and Tundra
  • Volkswagen – Golf and GTI
  • Eligible dealers are all franchised dealers and Used Affiliates (floorplan and non-floorplan), and Used Independents with Ally Floorplan. (For Non-floorplan Used Independents, please contact your Ally Account Executive).
  • All used vehicles listed in the Residual Value Lease Guide (RVLG) are eligible for Pre-owned SmartLease. These vehicles must also have a clean vehicle history report. A vehicle history report is clean when no negative information about the vehicle has been reported (no severe problems, major accidents, fire or flood damage, odometer problems or lemon history). See the General Information - Eligible Used Vehicles section of the RVLG for eligibility rules. Ally will only purchase a lease that includes an approved Aftermarket Product; see the Ally Dealer Quick Links on allydealer.com for a complete list. All aftermarket forms must be approved by Ally to be eligible for inclusion in the lease agreement. All low mileage programs are ineligible for Pre-owned SmartLease. SmartLease Protect/Select is not eligible on Pre-owned SmartLease transactions.

Training courses

From Ally Academy:

  • 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.