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Personal Auto Finance FAQs

  • What is Ally Buyer's Choice (ABC)?

    Ally Buyer's Choice (ABC) combines the advantages of buying and leasing — ownership with flexibility.

    Your ABC contract term can be a minimum of 60 months or a maximum of 84 months. The length of your term is determined at the time you initially sign your contract and is based on your specific vehicle selection and transaction.

    At the 48th month of your contract, you have the option to:

    1. Prepay by selling the vehicle to Ally at the predetermined price set at the time of signing an ABC contract rider (price is subject to a disposition fee and any excess vehicle wear and mileage charges; see the contract rider for details)
    2. Do nothing and continue to make your scheduled payments.
  • How does Ally Buyer's Choice (ABC) work?

    At the 48th month of your Ally Buyer's Choice fixed-rate contract, you can:

    1. Sell the vehicle to Ally for the predetermined price
    2. Do nothing – keep making the scheduled payments

    Remember, you also can trade-in your vehicle at any time during the contract.

  • How does Ally Buyer's Choice (ABC) differ from buying or leasing?

    Ally Buyer's Choice (ABC) provides flexibility to fit lifestyle changes with the choice to sell your vehicle to Ally. It puts you in control of the decision to keep or sell the vehicle. And it can provide both shorter and longer term vehicle ownership at your discretion. ABC is only available for eligible GM and Chrysler brand vehicles and at participating dealerships.

  • I'm approaching my 48th Ally Buyer's Choice (ABC) payment. What are my options?

    At the 48th month of your ABC contract, you have two options:

    1. Prepay by selling the vehicle to Ally at the predetermined price set at the time of signing an ABC contract rider (price is subject to a disposition fee and any excess vehicle wear and mileage charges; see the contract rider for details)
    2. Do nothing and continue to make your scheduled payments.
  • Can I change my mind after the 48th month and still sell the vehicle to Ally?

    No. You will not be allowed to use your option to sell the vehicle to Ally after the 48th month. However, since you own the vehicle, you can investigate trade in opportunities with your dealer. See your dealer for details.

  • What if the market value of the vehicle is higher at the 48th month than the predetermined selling price?

    In such a case, the vehicle owner has the option to retain ownership of the vehicle and continue making payments or trade in the vehicle at the market price negotiated between the owner and the dealer.

  • How do I find a participating dealership?

    Ally Buyer's Choice is available at all participating GM and Chrysler dealers in the U.S.; except in Nevada. To get the location of a dealership near you, call 1-888-925-ALLY (2559).

  • What if Ally Buyer's Choice (ABC) hasn't been rolled out in my state yet? What are my options?

    If Ally Buyer's Choice (ABC) is not yet available in your state, your local dealer would be happy to discuss other helpful financing and leasing options from Ally.

  • Who do I contact if I have questions about Ally Buyer's Choice (ABC)?

    Just visit a participating GM or Chrysler brand dealership or call 1-888-925-ALLY (2559).