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Ally
Ally 2023 Auto Loan Refinancing Review Published 2023-01-01 at 00:00:00
Written by Allison Martin Written by

Allison Martin's work began over 10 years ago as a digital content strategist. Since then, she's been featured in a variety of top financial publications, including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.







The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers to manage their finances through providing precise, well-studied facts that break down otherwise complex topics into manageable bites.









Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial decisions by offering interactive financial calculators and tools as well as publishing quality and impartial content. We also allow you to conduct research and compare information at no cost and help you make sound financial decisions. Bankrate has partnerships with issuers, including but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Profit The offers that appear on this site come from companies who pay us. This compensation can affect the way and where products are displayed on the site, such as for instance, the sequence in which they appear within the listing categories in the event that they are not permitted by law. This applies to our mortgage or home equity products, as well as other home loan products. However, this compensation will have no impact on the content we publish or the reviews appear on this website. We do not cover the vast array of companies or financial offerings that could be accessible to you.




About our reviews . Editorial disclosure: All reviews are prepared by our staff. The opinions expressed in them are only opinions of the author, and are not checked or acknowledged by any advertiser. The information that is included, including rates and fees that are included in the review are accurate as of the date of the review. Look over the information in the upper right hand corner of the page, and the lender's website for the most recent details.








At a look 3.8 Score: 3.8 stars out of five
Bankrate Score

Available Rating: 3.5 stars out of 5
The Affordability Score: 3.4 stars out of five
Customer Experience Rating: 4.4 5 stars from 5
Transparency Rating 4 stars out of 5


Find out about auto loan rates


The amount of the loan from Ally is not stated
Min. credit score not specified
APR from Not specified
Funds available in a matter of days or weeks



Ally pros and cons You might be able to get a discount for auto loan refinancing and leasing buyout loans with Ally. Still, its scope of products is limited and there are some other drawbacks to take into consideration.
PROS No formal inquiry required for prequalification
Check out the actual loan conditions
Flexible qualification criteria
Co-applicants allowed

CONS Not available in all 50 states
Insufficient funding times
Limited auto financing options
Loan terms not published online





Ally is an direct lender that offers a simplified digital experience for financing your car for people who want to refinance their existing vehicle or to buy out their lease. It is possible to apply without impacting your credit score and receive customized options that meet your requirements and budget. Furthermore, loans are available to certain borrowers who have credit problems, and there are no charges for application or down payments required.

Do you qualify? The requirements to be eligible for vehicle financing with Ally includes: Being a U.S. citizen, permanent resident or resident. At least the age of 18. You must have a good credit score and ratio of debt to income. Make at least $2,000 per month. You can purchase a noncommercial vehicle not more than 10 years old and isn't used as a taxi , or police car. The vehicle cannot be in the condition of having extensive or unrepaired damage from a collision or have several lien. For refinancing, existing finance must be a minimum of seven months older. Provide evidence of insurance. What we like and what don't like . Here's the thing that is what makes Ally worth looking into, along with some drawbacks to keep in your mind.
What we like about prequalifying without a credit check: Ally does not perform an investigation to determine your approval odds. See the actual loan conditions: You can view actual monthly payments and APR options if you pre-qualify for financing. Flexible eligibility criteria In case you earn at least $2,000 per year it is possible to be accepted for a loan even if you have less than perfect credit. Co-applicant permitted: You can improve your approval odds or obtain better terms for financing when you add a third party who has an excellent credit score as well as income on your request. What we don't like Not available across every state: Ally is unavailable to customers in the District of Columbia, Nevada and Vermont. The time to fund your loan is slow can take anywhere from a few days to a few weeks to receive your loan paid. Limits on auto financing options: You can only use Ally to refinance your current loan or to buy out a lease. Loans for new and used car purchases aren't currently offered. Loan terms aren't published online The average interest rate and loan conditions aren't published on the internet. Prospective borrowers must be pre-qualified to view the information. How do I contact Ally You can contact Ally by phone, fax or email. Its hours of operation are Monday through Friday between 7 a.m. until 6 p.m. on Saturdays between 9 a.m. to 1 p.m. (Pacific Time). While there is a mobile app but online chat is not available.
Auto loan types offered Ally provides auto loan refinancing and lease buyout loans.
Auto loan refinancing
Quick facts about loans: Not specified Terms range from 36 to 75 month APR: Unspecified


This page suggests refinancing your vehicle with Ally to receive a more affordable monthly installment or to lower your interest rate. You may also refinance to change the owner's name as the owner on your title. Lease buyout loans
Loan quick facts Amounts: Not specified Terms: 36-75 months APR: Not specified


Ally also makes it easy to purchase your lease vehicle. You can get preapproved in minutes and not impact your credit score, and the formal application is easy. Certain customers can also get extra protections, such as GAP insurance and extended warranties, through Ally when they purchase their lease. How to apply for an loan with Ally Ally breaks the auto financing process down in three easy steps. Start by going to the site and providing basic information to determine whether you qualify in the field of the auto loan refinancing or a lease buyout loan. If you're a suitable fit for a loan take a look at the offers then select the best one and then submit a formal application to be approved. The information you provide to Ally will be the following details for Ally to approve an application for a loan application:
The information required to apply for the application is vehicle information. License number of the driver (including expiration and issue dates) Personal contact information Social Security number. Proof of employment Proof of insurance Current lender in addition to loan information (if required)


The lender will send over your loan documents for review if your application is accepted. Should you still have concerns or questions, you can inquire. In other cases, you can accept your loan agreement and supply any additional information or documents the lender needs to finalize the financing arrangement. Ally FAQs
Is Ally part of Ally Financial? Yes. Ally Clearlane is a subsidiary of Ally Financial, Inc., a leading supplier of financing for cars.



What is the credit score you require to be able to refinancing through Ally? Ally doesn't provide information about its minimum credit score requirement. But, you must aim for a good or outstanding credit score prior to applying to increase your approval chances and perhaps qualify for competitive financing terms.



Does Ally charge penalties for prepayments? Ally is not a charge for late repayment fees.



How quickly can you get an auto loan from Ally? You can get preapproved in just a few minutes, but it might take several days or weeks to allow to get the loan to be fully paid. It depends on how quickly you're able to send the required documentation to Ally for review.



How do you calculate the rates at which Ally is a Bankrate
Overall score
3.8
The availability
3.5
Ally doesn't provide its loan amount and has restrictions on vehicles that can be used however it does serve the majority of states.
Affordability
3.4
There is some leeway in Ally's acceptance criteria, but it does not provide a complete list of costs and charges.
Customer experience
4.4
A reasonable funding timeline, online access, app availability and the option to pay with autopay earns a higher score.
Transparency
4.0
Prequalification is possible, however rates and fees are not.


Methodology to rate lenders who specialize in auto refinance loans, Bankrate considers 16 different factors. These variables range to the loan amount, APR that is disclosed as well as acceptance requirements. Each lender scores that is based on four different categories. The availability category includes loan amounts, vehicle restrictions and availability in each state. Affordability: This section is about expected APR, acceptance requirements and discounts for autopay, as well as the number of fees. Customer experience: This section includes accessibility via the internet, support available and funding timeframe, as well as the option for automatic payment and app accessibility. Transparency: Here , prequalification and the disclosure of fees and rates are recorded.
Disclosure of author The reviews are written by Bankrate.com staff. The opinions expressed in the review are only the views of the reviewer. They have not been reviewed or approved by any advertising company. The information such as rates and charges provided in the review is accurate up to the date when the review first appeared. Look over the information on the right, and the lender's website to find the most current information.




Written by
Allison Martin


Allison Martin's work began over 10 years ago as a digital media strategist. She's been published in several leading financial outlets including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com.
The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to manage their finances with clear, well-researched information that breaks down otherwise complex topics into manageable bites.






Auto loans editor










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