With a wide selection of financing options and flexible terms, we can help you keep your monthly payments where you want them.
Specialty vehicle financing. Many of our financing options offer flexible terms that help cover accessibility needs like wheelchair lifts and right-hand drive capability.
Ally SmartLease ® has shortened financing terms that give you the flexibility to drive a new vehicle more often.
We know auto financing is complicated. Just remember that it’s ok to learn as you go. Here are a few tips to get you started on the right track.
The only way to ensure you’re getting the best possible rate on your financing is to do your homework. While you can usually get financing through the dealership, you should also get quotes from local banks, online banks and credit unions. And don’t forget to ask about rebates and incentives. Your credit score can also have a significant impact on your rate, but the rate you’re quoted will also depend on the lender. Learn how your credit score can impact your rate.
Once you have an idea of which lenders can offer the best rate, you can often negotiate that rate even lower. Since auto dealerships often have more flexibility than other lenders, your dealership may be willing to match or beat quoted rates from other lenders. Make sense of the financing process.
While buying tends to be most people’s default option, a lease can be the perfect solution for someone who prefers to drive a new car every 2 or 3 years and wants to keep monthly payments reasonable. There are advantages and drawbacks to both buying and leasing, so make sure you research both options to find the best fit for your situation. Compare your options.
Getting a low rate is great, but remember that it’s only part of the picture. Make sure you have a clear understanding of the total amount you’ll be paying over the life of the financing plan when factoring in the length of the contract, cost of insurance and potential fees. Our monthly payment calculator can help give you a better idea of what you’ll be paying every month.
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.
A FEW THINGS YOU SHOULD KNOW
Ally Financial Inc. (NYSE: ALLY) is a leading digital financial services company, NMLS ID 3015 . Ally Bank, the company's direct banking subsidiary, offers an array of deposit and mortgage products and services. Ally Bank is a Member FDIC and Equal Housing Lender , NMLS ID 181005 . Credit products and any applicable Mortgage credit and collateral are subject to approval and additional terms and conditions apply. Programs, rates and terms and conditions are subject to change at any time without notice.
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