Help Center

To see if you're eligible to make payments by text, log in to Ally Auto and go to the Payments section on the Alerts page. If you're not eligible, the option to sign up for text payments won't be available as a payment option.

It's a quick, easy, and secure way to pay that doesn't require you to log in.

If you've received a text stating that you can't pay by text, it's most likely because we've paused your pay-by-text ability due to one or more account-related reasons:

You scheduled your payment after the cutoff time.
We can’t process text payments scheduled after 10:45 pm ET on your payment due date.

You made a payment through another channel.
You won't be able to pay by text if: 1) you scheduled a payment of any amount through your Ally Auto Online account or 2) we received a payment of any amount through your Ally Auto Online account or another channel. You can sign up to pay by text the month after your scheduled payment has cleared.

You're more than 10 days late on your payment.
You currently can't pay by text if you're more than 10 days past due. You'll be able to pay by text again once your account is up to date. Keep in mind, if you pay after your due date, we'll charge a late fee in accordance with your contract. You'll also incur additional finance charges (for non-lease accounts) each day that you're late. Learn more about payment terms

You've lost access to some payment or account features. Contact us if you need help understanding more about your account status.

You scheduled your payment by text when Ally Auto is unavailable or down due to technical difficulties.
You'll need to log in to Ally Auto at a later time to make your payment.

If none of these scenarios apply to you, contact us.

We automatically stop sending pay by text reminders if you opt out from Alerts, revoke text message consent, set up Auto Pay, don't have exactly one payment account on file, or add a vehicle to your profile. If these scenarios don't apply to you and you still received the unenrollment alerts, contact us.

Yes, we've implemented security measures to ensure paying by text is a secure transaction. For example, we'll confirm the mobile number provided to make sure that it's you before sending out SMS messages.

Additionally, we keep the information within the text general in case the text is seen by someone else.

Paying by text is optional. If you'd like to pay another way, just ignore the text from us.

No. You can only pay your regular monthly amount due by text — no more, no less. If you’d like to pay a different amount, you can always pay online through your Ally Auto Online account.

Log in to Ally Auto and go to the the Payments section of Alerts to stop or start receiving pay by text reminders at any time.

You can change your pay by text account by going to Payment Accounts, then selecting Edit next to any account listed. Then, choose Edit Pay By Text.

There might be a few reasons why.

If you're enrolled in recurring payments, like Auto Pay or Direct Pay, you can't sign up because we already draft your payments automatically — there’s no need for an additional reminder to pay.

If you have more than one vehicle on your account, you can't sign up to pay by text. This feature only supports profiles with one vehicle at a time right now.

If we don't have consent to text you, we can't send you pay by text alerts. To check your consent status, go to the Contact Information section of your profile.