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Offering Ally Lending.

Here’s what you need to know about our program.

Benefits of working with us.

You have a lot of choices when it comes to offering financing. We think you’ll find working with us a breeze. We offer one of the most straightforward, easy, and efficient consumer financing options in the industry.

How it works.

For your clients.

They quickly prequalify with no credit impact, select from a list of personalized financing solutions, complete the application, then sign the documents. It's that easy.

For you.

You’ll receive full payment, minus the Merchant Discount Fee (MDF) on the product or service from us within 1 -2 business days.

What working together means for you.

Improve your cash flow.

Our financing solutions improve your cash flow, as you’ll receive full payment from us within a few days of providing the service.

Increase client loyalty.

We help improve client satisfaction by offering financing options that keep your clients returning and get new ones through your door.

Mitigate risks.

You save time and effort of developing in-house financing products, which helps mitigate much of the associated risk.

Our financing program.

Installment Loan

Our installment loan is designed for your clients who want to make consistent, low monthly payments over an extended period, while you get paid upfront minus the MDF.

Minimum Monthly Payment Estimate

(Amount Financed + Interest) / # Of Months in Term

What else you should know.

We don't require a down payment. Your clients can set up autopay online using a debit card or checking account. They can also set up debit card automatic payments by calling 1-888-568-0186 , Monday – Friday, 8 am – 10 pm, and Saturdays 8 am – 9 pm ET. Additional funds are available up to the approved amount by request up to 180 days after applying with no hard hit to their credit, if they’re in good standing with Ally Lending.

There may be other financing products available. Talk to your account manager to find out more.

Our operating guidelines.

Our Merchant Operating Guidelines provide a detailed overview of compliance rules that you’ll need to review to participate in the Ally Lending Program.

Read Merchant Operating Guidelines (PDF)

Help your clients get started with Ally Lending.

Talk About Financing with Ease

Start with these 3 best practices when talking financing with your clients.

Help Your Clients Get the Most Out of Financing

Learn how our financing options can help your clients upgrade or get more services while saving money in the long run.

Matching Financing with Client Needs

Your clients have different wants and needs when it comes to financing, and we’ve got loan options to match. Find out how you can help them choose a loan that fits best.

Compare Financing with Other Payment Methods

It’s important that your clients understand all their options before making any final decisions. Check out a few talking points to highlight when comparing our financing to other payment methods.

How to provide our application.

Link to the application from an ad on your website.

Visit  Provider Online Services  and select Weblink & Display Ad from the menu to get a customized application URL. Display the ad on your website linking to the unique URL.

Email the link directly to your clients.

Visit  Provider Online Services  and select the envelope icon next to the New Application button on the homepage. You can then send an application link via email directly to your clients, so they can access the application at their convenience.

Provide access in person.

If a client is in your office, they can apply directly online from there.

More tips and tools.

Here are some helpful tips and tools to help you in your conversation about financing.

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Explore your marketing options.

Use our brochures, videos and Ally Ad Assist tool to help provide an on-brand experience for your clients.

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Build trust with your clients.

Be transparent by letting them know upfront that financing is an option.

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Use online payment options.

Log in to Provider Online Services and use our calculator to get an estimate of your clients’ monthly payments.

Contacts and Resources

Service Provider


Support:

1-800-427-9184

Monday - Friday, 8 am - 10 pm ET
Saturday, 10 am - 5 pm ET

Marketing:

Check out our branding and marketing guidelines  for instructions on how to promote our financing as well as downloadable resources.

Your Clients


Billing:

1-888-568-0186

Monday - Friday, 8 am - 10 pm ET
Saturday, 8 am – 9 pm ET

Other:

1-800-427-9184

Monday - Friday, 8 am - 10 pm ET
Saturday, 10 am - 5 pm ET

Login:

Borrowers can log in to their Ally Lending accounts at ally.com .

FAQs

We have answers.