Making A Payment FAQs

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You can use your bank's bill pay feature or enroll in Auto Pay to have your monthly payments withdrawn directly from your checking or savings account on the day you choose.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

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. 

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. 

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.

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 

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. 

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. 

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.

Yes, you can make either extra or partial payments on your vehicle account. 

Extra payments

If you’re paying online or on our app, just enter more than the amount due in the Payment Amount field. Then, you’ll be able to choose whether to apply the extra money to the total amount financed (pay on the principal), or apply it towards future payments.  

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

Partial payments

We do accept them, but, before making a partial payment, be sure to check your contract or lease agreement for language regarding the assessment of late fees, as you may be charged one if your full payment isn’t made by a certain date. If you need a copy of either of these documents, 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.