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Payment Extension FAQs
When you defer, we'll extend your next scheduled payment, as well as all remaining scheduled monthly payments, to give you more time. After the extension period ends, you resume making your regularly scheduled auto payments. Remember that a payment extension will also result in up to one or more additional monthly payments after your extension period due to the additional finance charges accrued during your extension period.
Yes, if you're financing the purchase of your vehicle, finance charges will continue to accrue on the unpaid balance at the contract rate, and by deferring one or more payments, you'll pay more finance charges.
The extension program is best for short-term hardships, and you'll return to your regularly scheduled monthly payment amount once it's over. An extension will also result in up to one or more additional monthly payments after your extension period due to the additional finance charges that accrued during your extension period.
If you expect to face continued financial hardships, you can request a modification to lower your monthly payment amount, while lengthening your contract term. Either option will result in increased accrued finance charges over the life of the account.
To find out if you qualify for a modification or extension online, log in, select your vehicle account of choice from your Snapshot, and navigate to Explore Payment Assistance.
Yes, feel free to continue making payments during your extension to reduce finance charges. Paying during your extension won’t reverse your extension or impact its length, and it won’t affect the number of extensions you can take in the future, either.
A payment extension won't cancel Auto Pay or any payments that are scheduled to occur after your extension request. If you don't want those payments to process, you'll need to cancel them.
How to cancel scheduled payments
If you’d like to cancel your upcoming one-time payment scheduled through Ally Auto, go to your Transactions.
If you’re on Auto Pay, you can go to Edit Auto Pay from Payments and select Cancel Auto Pay to stop all future recurring payments. You can re-enroll in Auto Pay or reschedule payments at the end of your extension period (or whenever you’d like).
To cancel payments scheduled through your bank
You'll have to go through your bank to cancel these payments — you won't be able to cancel them through Ally Auto.
We'll base your extension on the status of your account at the time you requested it. Canceling payments that are scheduled to occur on or before the date you requested an extension could impact your account status, which may affect the length of your extension or when your next payment is due.
When you make your first regularly scheduled payment after the extension period, it will first be applied to satisfy any accrued finance charges and then to the outstanding balance. How long it will take to pay the finance charges accrued during the extension period will depend on the amount and timing of any payments you make.
Deferring your auto payment through Ally shouldn’t have a negative impact to your credit score, but it’s important to note that for most consumers, payments on auto contracts are just one of many items that impact their scores.