Making A Payment FAQs

Question 1

Can I make a vehicle payment without my statement?

Answer

Sure – no statement needed. You can schedule payments with the Ally app or online at any time. If you're paying by mail, you'll need your account number.

Mail payments to:
Payment Processing Center
P.O Box 71119
Charlotte, NC 28272-1119

Remember to include your name and account number on each scheduled payment. If you’re paying toward multiple vehicles with one check, include a list of the account numbers with your check.

Question 2

Will I be charged a fee to make a one-time payment online?

Answer

We don't charge a fee to make a payment, but third-party sites like CheckFreePay, Western Union®, ACI Pay, and MoneyGram will.

The best way to ensure you're making your payment on the Ally website is to type ally.com/auto into your browser, go to the Ally app, or use your web browser favorites.

You can use your bank's bill pay feature or enroll in Auto Pay to have your monthly payments withdrawn directly from your checking or savings account on the day you choose.

If you're eligible, you can sign up to make payments by text. We won’t charge you to pay by text, but your phone service provider may. If you're not eligible, the option to sign up for text payments won't be available as a payment option. To learn more, log in and go to Alerts.

We're committed to making online payments safe, simple and convenient. Visit our Security Center to learn more about how to protect yourself online.

Question 3

How do I track my payment status?

Answer

There are a few ways you can check your payment status.

Your online account
Log in , then select your vehicle from Snapshot. Your payment status will be listed below. Once we’ve received it, we’ll update your payment status to Completed within 24 hours.

Email
We automatically send alerts by email whenever we receive a payment from you, and we let you know when something goes wrong with your payment. Log in , then select Alerts to manage some of the emails we send.

Text
You can also receive certain payment alerts by text, including due date reminders and confirmations. Log in , then select Alerts to manage some of the texts we send.

Question 4

How can I pay on a vehicle account that has been charged off?

Answer

Mail
Send your payment to:
Payment Processing Center
P.O. Box 71119
Charlotte, NC 28272-1119

Don’t forget to include your vehicle account number on your check.

Phone
Call 1-888-925-2559 to pay over the phone through a third party who may charge a fee for its payment services. This fee is in addition to your payment amount.

Question 5

When are late fees assessed on my vehicle account?

Answer

Check your contract or lease agreement for language regarding assessment of late fees.

If you need a copy of your contract or lease agreement, log in and check if it's available in Contracts and Titles under Documents from the navigation menu.

If you don't see the document you’re looking for, contact us to request a copy.

Question 6

Where do I mail my auto finance payment?

Answer

Payment Processing Center
P.O. Box 71119
Charlotte, NC 28272-1119

Question 7

What happens if my vehicle payment is returned for insufficient funds?

Answer

If your financial institution won't honor the payment, we'll present it again. If they still won't honor it, we'll reverse the payment. We'll reach out to you to let you know what happened. Once you have enough money in your payment account, try making your payment again through whichever payment method works best for you.

Send payment disputes, payments with restrictions or endorsements, or customer service correspondence to:
Ally Financial
P.O. Box 380901
Bloomington, MN 55438

Question 8

How do I update payment account information?

Answer

You can update and save your payment account information for all of your vehicles from your Payment Accounts page.

Question 9

Can I skip or extend my auto payment?

Answer

To learn more about extension options and whether you qualify, contact us at 1-888-925-2559.

Question 10

How do I start making payments on my vehicle if I obtained Ally financing online through Clearlane or another online marketplace?

Answer

If you have Ally financing through Clearlane or another online marketplace, you can make payments and manage your account at ally.com.

You can also pay by phone by calling 1-888-925-2559 . A third-party service provider fee will apply.

To mail your payment, send a scheduled payment to:

Ally Financial
P.O. Box 71119
Charlotte, NC 28272-1119

Question 11

How do I change, cancel or check the status of a vehicle payment?

Answer

To check payment status:

If you pay online or by text, log in , select your vehicle from your Snapshot, then Payments. You can check the status of your payment by selecting Transactions. If you don't see your payment, it wasn't scheduled.

You can edit or cancel any payment that isn’t in progress or hasn’t already been paid.

To edit or cancel online payments:

Keep in mind: you can only edit or cancel a payment if you're the person who scheduled it.

Online: log in and select your vehicle, then Payments, then select Transactions to view all your payments. Select the payment you wish to cancel, then choose Edit Payment or Cancel Payment from the Payment Details.

On our app: log in, tap Payments

You can view or cancel online debit card payments through CheckFreePay , a third-party provider.

Edit and cancellation schedule:

For payments scheduled on the current day:

Before 3 pm ET, you can edit or cancel any time until 2:59 pm ET.

Between 3 and 6 pm ET, you can edit or cancel any time until 5:59 pm ET.

Between 6 and 11 pm ET, you can edit or cancel any time until 10:59 pm ET.

After 11 pm ET, you can edit or cancel any time until 2:59 pm ET the next day.

For payments scheduled for a future date:

You can edit or cancel before 3 pm ET on your scheduled payment date.

Question 12

How can I make vehicle payments?

Answer

On Ally.com or in our app

The easiest and fastest way is to go to log in online or on our app, select your vehicle account, then select Make a Payment. You can make payments online at any time using a checking or savings account.

You can also make a one-time online debit card payment through CheckFreePay . You'll need your vehicle account number, your debit card number, and your ZIP code on hand. Keep in mind: CheckFreePay is a third party that charges a $3.75 fee for its payment services, which is in addition to your payment amount.

Through other banks

Pay using your bank's bill pay feature. You’ll need your payment amount and vehicle account number to set it up, as well as any additional information your bank might require.

By mail

Send your payment to:
Payment Processing Center
P.O. Box 71119
Charlotte, NC 28272-1119

By text

If you're eligible, you can make monthly one-time payments by text. Log in and go to Transactions to check the status of your one-time payment, or go to Alerts to learn more.

By phone

You can pay through ACI Pay by calling 1-888-631-8930. You’ll need to have your vehicle account number, your bank account number or card number, and your ZIP code on hand. Keep in mind: ACI Pay is a third party that charges a $4 money transfer fee for its payment services, which is in addition to your payment amount.

MoneyGram

You can visit a MoneyGram location near you to make a one-time payment. Keep in mind: MoneyGram is a third party that charges a fee for its payment services, which is in addition to your payment amount. Contact MoneyGram to learn more about its payment options and current fees.

Western Union® Quick Collect®

You can visit a Western Union Quick Collect® location near you to make a one-time payment. Keep in mind: Western Union is a third party that charges a fee for its payment services, which is in addition to your payment amount. Contact Western Union to learn more about its payment options and current fees.

Question 13

How can I make vehicle payments or pay off my vehicle online?

Answer

The easiest way to make a payment is to log in , find your vehicle account in your Snapshot, and select Make a Payment—you can pay using your checking or savings account. You can also select Payments to enroll in Auto Pay.

Pay using a debit card

You can make a one-time online debit card payment through CheckFreePay . You'll need to have your vehicle account number, your debit card number, and your ZIP code on hand. Keep in mind: CheckFreePay is a third party that charges a $3.75 fee for its payment services, which is in addition to your payment amount.

Additional or early payments

You can make additional or early payments, however, we can't accept them from Direct Pay customers. If you'd like to make extra payments online, you'll need to cancel Direct Pay and enroll in Auto Pay. Or, give us a call at 1-888-925-2559 .

Paying off your vehicle

In most cases, you can pay off your financed vehicle online. Log in , choose the vehicle from your Snapshot, then select Payments, then View Payoff Quote. If you leased your vehicle, you’ll want to choose Lease-End Options. Follow the instructions to view your estimate and pay off your vehicle.

Question 14

Can I make extra or partial payments on my vehicle account?

Answer

Yes, unless you’re enrolled in Direct Pay.

Extra payments

To make an extra payment online, enter more than the amount due. Then, you can choose whether to apply the extra money to the total amount financed (pay on the principal) or future payments.  

If you’re using one of our other payment methods, you can include the extra amount with your regular payment, and we’ll apply the extra money toward your next regularly scheduled monthly payment.

Partial payments

If you want to make a partial payment, remember to check your contract or lease agreement for info about late fees first. We might charge a late fee if your full payment isn’t made by a certain date.

If you need a copy of these documents, log in , go to Documents and check if it's available under Contracts and Titles. If you can’t find the document you're looking for, contact us to request a copy.

More about Direct Pay enrollment.

We can’t accept additional online payments if you’re enrolled in Direct Pay. You’ll need to cancel it online first. Log in , go to Vehicle Details, then select Cancel Direct Pay.

After you cancel Direct Pay, you won't be able to re-enroll as we don't offer this program anymore.

Question 15

How are my vehicle payments applied to my accounts?

Answer

Retail contracts

Once we receive your payment, the money is first applied to any daily finance charges (such as interest) that have accrued since your last payment. Any additional money is automatically applied to the amount financed – also known as the principal, and then advanced to the next payment due date, assuming there are no other late or unpaid charges on the account.  

Lease agreements

Your payment is first applied towards sales tax, then towards the monthly rental payment. Certain states assess Personal Property Taxes (PPT) on Lease vehicles based on the consumer’s garaging address. 