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Contracts & Titles FAQs

  • How do I get my title so I can sell my vehicle?

    Retail Finance customers
    You can schedule a payoff online or mail your payoff payment to the address below:

    Payment Processing Center

    P.O. Box 9001951
    Louisville, KY 40290-1951

    If you pay with certified funds, like a cashier’s check or money order, we will mail the title or lien release to the primary account holder’s address or state DMV (based on state requirements) within 4 business days of receipt of your payoff payment. If you pay with any other method of payment, like a personal check or an online payment, we will mail the title or lien release in accordance with your state’s requirements. Please include your account number with your payoff payment to avoid any processing delays.

    We can release our lien directly with the state if your state has an electronic title program and your record is held electronically. States with this program include: Arizona, California, Florida, Georgia, Hawaii, Idaho, Louisiana, Massachusetts, Nebraska, New York, Pennsylvania, South Carolina, South Dakota, Texas, Wisconsin and Virginia.

    Your state’s motor vehicle department will either provide you with a clear title or remove our name from the vehicle’s title record.

    Lease Customers
    Please call Ally Auto at 1-888-925-ALLY (2559) or log in to your Ally Auto Online Services account to contact us through the Message Center for assistance.

  • How do I get a duplicate title or lien release if I've paid off my vehicle?

    If your title is lost or has been misplaced and we held the lien:

    Contact Us and we'll provide you with a letter confirming that our lien has been released.

    Please have the following information ready:

    • Vehicle Identification Number (VIN)
    • Year, make, and model of vehicle
    • State where the vehicle was last titled
    • Name as it appears on the title

    For duplicate title requests:

    Contact your state's motor vehicle department.

  • How can I obtain a copy of my contract or lease agreement?

    You should have received a copy of your contract or lease agreement from your dealership when you bought or leased your vehicle. If you don't have a copy, you can request a copy from your dealership. If the dealership is no longer in business or unable to assist you, please Contact Us.

  • Can I add or remove a name from my contract and title?

    We do not generally allow retail finance or lease customers to add or remove a name on the contract or title. Please Contact Us if you have questions about adding or removing a person to your contract or title.

    Please contact us if you have questions about adding or removing a person on your contract or title.

    Lease customers can submit a completed and signed credit application to us by fax, mail or log in to your Ally Auto Online Services account to contact us through the Message Center:

    By fax:

    By mail:
    Ally P.O. Box 380901 Bloomington MN, 55438

  • How do I change my name on my contract or lease?

    Simply send us legal proof of your name change along with your account number to the address below:

    Ally Financial
    PO Box 380901
    Bloomington, MN 55438

    You can also log in to your Ally Auto Online Services account and send us your proof of name change documents through the Message Center.

    Examples of legal proof include a marriage certificate, divorce decree, or copy of your Social Security card. Typically, we can make your requested change within 2 business days of receipt of your request.

  • Can I transfer my retail contract or lease agreement to another person?

    You may be eligible to transfer your retail contract or lease account agreement to another qualified person (transferee). The transferee can download a new application, complete it and mail it directly to Ally. Note: Alaska, Colorado, Florida, Indiana, Iowa, Maine, Massachusetts, Minnesota, South Dakota and Wisconsin residents: To purchase a leased vehicle, contact your dealer for assistance.

    Note: SmartBuy®/Ally Buyer’s Choice® accounts don’t qualify for transfer. Retail contract rates aren’t transferable.

  • Will the monthly payment change if I transfer my account?

    Leases: The monthly payment amount will change because of use and personal property taxes, which are different for each state.

    Contracts: The monthly payment amount could change because of the amount financed, the finance rate, and the number of payments.

  • What are the fees for transferring my account?

    • Lease accounts: $595; in Missouri, the fee is $670
    • Finance contract accounts: (excludes SmartBuy/Buyer's Choice): Up to $150, based on state of residence
    • Note: Transfer, tax, title, and licensing fees cannot be financed
  • How long does a transfer take?

    If approved, transfers typically take from 7 to 20 days from the date we receive a completed credit application.

  • Can I refinance my auto retail contract to lower my rate?

    We don’t refinance to lower rates; however, we may be able to help if you’re experiencing difficulty in meeting your financial obligations. Please call Ally Auto at 1-888-925-ALLY (2559).