Ally Auto
Is This Your Business?1.4
2.6
Overall Score
Author: Kaitlyn Short
LAST UPDATED: October 17th, 2025
Ally Auto has been helping people secure auto financing for almost 100 years. The company has more than 7,000 employees, 17,000 dealers, and 4 million customers across the United States.
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The Good
- Buyer's Choice program
- Ally Balloon Advantage program
- Retail finance and SmartLease options
- Vehicle protection products available
Buyer's Choice Program
Ally Auto's Buyer's Choice program combines the best of buying and leasing. The term length is determined based on the customer's vehicle selection and transaction. This program includes a special prepayment date; at 48 months into the contract, the customer can either prepay by selling the vehicle to Ally at the predetermined price set at signing (some stipulations apply) or do nothing and keep making the scheduled payments. This program also allows you to trade-in your vehicle at any time. The Buyer's Choice program is only available for eligible GM, Chrysler, and Mitsubishi brand vehicles. This program is not available in Nevada.Ally Balloon Advantage Program
The Ally Balloon Advantage program works by taking a larger portion of your payment and attaching it to the end of the contract. This helps keep your monthly payments low. However, this program still has the same aspects of a traditional loan, including fixed APRs and monthly payments throughout the contract term. Additionally, you can sell or trade-in your vehicle at any time, as long as you pay off the remaining amount when you do. With the Balloon Advantage program, you can buy new GM, Chrysler, and Mitsubishi vehicles and all used vehicles except for Saab and Suzuki. This program is not available in Maryland, Nevada, New Hampshire, North Carolina, or Pennsylvania.Retail Finance and SmartLease Options
Ally Auto offers both financing and leasing options. The company's SmartLease program allows customers to lease new or pre-owned vehicles through eligible dealers. However, it's only available for select models, but the website doesn't specify which models, so you'll have to contact the company for more information if this is something you are interested in.Vehicle Protection Products Available
Ally Auto provides a variety of vehicle protection products, including maintenance contracts, theft protection, and tire and wheel coverage.The Bad
- Acceptable credit ranges not defined
- Rates and terms not disclosed
Loan Amounts Not Defined
Unfortunately, the Ally Auto website does not mention minimum or maximum loan amounts, so it's unclear how much you can borrow for an auto loan.Rates and Terms Not Disclosed
Ally Auto has not disclosed interest rates or terms on its corporate website, leaving potential customers unsure of what to expect. Although these factors typically vary from case to case, it would be nice if the company provided a general range to give individuals an idea of whether or not the company will fit their needs.The Bottom Line
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D Obrien
Bad Experience with Ally Auto Loan
After 42 months of making on-time payments on my lease, Ally asked me to pay a $422 fee for returning the car to the dealership. I spoke with customer service and a supervisor, but neither could provide proof of this fee, they just insisted that I had signed for it, which I did not see or agree to.
The entire process was frustrating, and I felt dismissed at every turn. Based on my experience, I cannot recommend Ally Bank for auto loans. The service was poor and unprofessional.
1 month ago
Robert Lee Lawrenceville, GA
I'm really surprised by all the negative reviews I see. My situation was the exact opposite. I just recently paid off my second car loan with Ally and had zero issues with them. I had my clear title back from the state within two weeks after Ally electronically sent it to them. I will admit, I never had any contacts with their customer service except via email and that went fine. Mine was a pretty simple process. I did my part by making my payment every month on time and they did their part by crediting it to my account and continuing to let me keep my car. The website was very user friendly to me. It allowed me to pay extra and apply it to my principal resulting in me paying it off earlier. They also don't have any prepayment penalty if you pay off your car early. It's more common than you think. They also gave me a great rate. I can only comment on my experience but it seems that a lot of the negative reviews were due to customers own issues not the banks. If you make your payment late every month, your going to incur late fees and possible hits to your credit report. The fees are not going to go away. You have to pay them at some point to satisfy your loan.
3 years ago
heidi m johnson Mt. Pleasant, SC
I have nothing but good to say about Ally Auto. I was leasing from Chrysler Capital I turned in a perfect car and had trouble after words. I got a new car leasing from Ally , what a big difference. Ally was up front they gave a hand full of information on what to expect from them and info about when it's time to turn the car in. I got emails as well.
Ally explains clearly about the miles what they charge, and dents, or damage. Very detailed information about what to do and how to care, also their webpage is easy to use, a person can turn off their payments when needed, you can email asking info for a buyout. Nothing shady happened like Chrysler Capital. I bought my car 2019 Jeep. I didn't get stuck with any surprise bills.
I highly recommend Ally Auto. I will definitely use them again in the future and recommend them to family or friends. I learned from my experience from my other bank so I was skittish!
3 years ago
Mark Cizek
I have been with Ally Auto for couple years. They financed my truck. They have been 5 star in every aspect of dealing with this bank. It was hassle when comes to financing. Every issue I had their customer service was awesome and fixed it promptly. I honestly think Ally is one of the best for financing vehicles. That’s my take. Great bank to finance with for new and used.
1 year ago
L C Ballston Spa, NY
I recently had a frustrating experience with Ally Auto and had left negative reviews however, I received a phone call from Sara, an Account Executive for the Customer Relations Dept at Ally Auto. She has been with the company for a long time and we had an extremely pleasant conversation. She was patient, empathetic, compassionate, kind, and asked me to give her time to look into my situation. A few days later, my issue was resolved and she was able to fix the problem. I went back and erased my bad review, and decided to leave one dedicated to her. She is an incredible asset to the company, and if anyone has any problems - try to reach out to her for help. She may be able to do something.
4 years ago Edited November 15, 2021
Jamie Pensgard Atlantic, IA
I financed my vehicle in May 2020 through Ally. Made my online payments 100 percent on time, never had a single issue. Paid off my vehicle June 2021. It took two weeks (with pandemic I wasn't worried) but Ally sent me my title and now I'm on my way to registering my vehicle in my name. I worried about all these negative reviews but I seriously had zero issues with Ally, so there is hope if you're reading through all the negatives worrying like I was!
4 years ago
Review Source
Larry
I bought a car for me and my daughter, I was the first owner and my daughter was the 2nd co-owner. My daughter pass on may 30th 2024. I had to sent the death certification alone with an affidavit sign by my two granddaughters. This was sent to Ally in June 2025. waited six week for the process to be complete. after 8 weeks a call Ally Auto deceased department then they tell me that the death Certification was not clear after loaded into their system. So i sent it a total of 4 times to them and every time it was not clear. It took me 3 months to clean this up. I finally got the clear title and sold the car. In September 2024 I receive a refund for the Gap insurance but the check was payable to My Name and the EST of my daughter name after sending all the paperwork needed to clear the title. Then they requested another death Certification a copy of my driver license which they had because it was sent to them when I bought the car. But I sent in as there requested and a affidavit notarize. It took till December to clear that up. Now in January 18th of 2025 I received another check for the warranty refund. Again made out to My Name and EST of my daughter name. I call in January to tell them that they did the same thing with this check, they told me that I had to get another Affidavit that they had to sent to me. Now it is March 24,2025 call back because I never received the affidavit from the. Today March 24th still no affidavit the Young lady now told me that I had to send another copy of the death Certificate with again a copy of my driving license. I told them that I wanted to speak to a supervisor no supervisor could take my call of course. So I still have the check and not resolve.
8 months ago
karen turner Chester, VA
Initially, I was very pleased i.e. website easy to navigate, check loan balance and online payments. It wasn't until I paid off my auto loan that I had issues. Once you pay off your loan, they don't automatically notify DMV and send you your title. I didn't find this out until I went to the DMV to get a copy and was informed it was still showing a lein, vehicle had been paid off for a year. Came home and attempted to log into account which no longer exists. This shouldn't have been issue, but without an account, you can't log in to "chat" or leave a message. So, of course, I had to call and unfortunately had to converse with someone who was not a native English speaker whose accent was almost unintelligible. (The first one hung up on me.) Next time I will stick with my credit union.
2 years ago
Cecilia Robinson Round Rock, TX
I have also experience the same problem for the past two months, Ally will not let me pay my car note on line, on the phone or even with their third party. I too as a long time customer for 2 1/2 yrs. Have been wrongly done, I also just got my refund back as of 11/18/22 trying to make a payment thru Western Union on 10/15/22.. It took a month exactly to get my refund back. I am truly exhausted with this company, so at this time I don't trust sending my money thru anyone. So please Ally since you have done me and a few of your customers wrong. Tell me how do this company is going to resolve this problem that we all have. Because at this time my car is considered 2 months late and pretty soon this company will try to repossess my car, but that you will not do when I tried paying my note several times to get it current I truly feel that something is not right. That being said every time I call and say I will be calling corporate, the person from Ally customer service representative acts like they can't hear me & then say hello & hang up. This is sad that it has gotten to this point. As soon as I can get someone to take my payments I will be looking for another finance company to take my loan, I truly have had enough of the disappointment and stress with this company.
3 years ago
Igor V Rahway, NJ
LOVE ALLY.
RIGHT NOW HAVE A BUSINESS AUTO LOAN WITH THEM AND THE WAY IT WASS APPROVED, HANDLED AND DONE 5 STARS
ONE OF THE BEST MULTY TEARS BANK, HELPS MANY PEOPLE WITH GOOD AND NOT SO GOOD CREDIT
IM SURE PEOPLE WHO COMPLAINS HERE, JUST DON'T KNOW HOW TO SPEAK OR PAY TO THIS GREAT LENDER
3 years ago
Sarah N Oakhurst, CA
I used ally twice bought a new car in 2018 paid my loan off in 2019. Bought another new car in 2019 and am working steadily on paying off that car ahead of schedule as well, I'm almost done with this loan and will likely use them next year to buy a truck. My one and only issue with them as I was using their loan to build up my credit, is that it seems they don't report back to the credit bureaus monthly and do so quarterly. Other than that their app and website make it easy to make my payments.
4 years ago
Sunshine Joliet, IL
The issue I have with this company is how they were reporting to the credit bureaus. I made a payment within the 30 days to prevent a negative mark. I noticed they marked me negatively for a month. I wrote them first and told them it was within 30 days. They said it wasn’t. I wrote the credit bureau with the due date and payment date showing it was within the 30 days. I received the the revised report and they removed the negative mark from the month I was disputing, but marked the month before negative. I didn’t think that can happen. So I wrote the company and asked specifically what month I was marked late. I was given 2 months and the month I was disputing wasn’t one of them. (reports only show one). I wrote the credit bureaus again about the negative mark and sent them the message from Ally stating the month in question wasn’t late and a copy of the date which the payment was made showing that it was within 30 days. What confuses me is that the account in question is a joint account so both of us should have the same reporting, which it’s not. I also gave a copy of credit reports from both of us showing this and the credit bureau still did nothing. If this sounds confusing to the reader, its because it is!
The good thing is that during the pandemic I was given forbearance and didn’t accrue late fees. I just wish they would report accurately.
4 years ago
Michelle Mobley Norman, OK
I’ve had my auto financed through Ally since October 2017 and have nothing but good things to say about them. They have always been great when I would called and very respectful and helpful. I will be using them for my next vehicle.
6 years ago
Jean Garcia Allentown, PA
I fell back on payments, Enjoli and Amber were pleasant and definitely displayed phenomenal customer service! Give these ladies a raise.
Customer service is not an easy job, I definitely felt a sense of relief after speaking with both of them.
Thanks again ladies!
6 years ago
Cassidy Gundersen Orem, UT
I have been with Ally Auto since 2014. And my overall experience with them has been pleasant. Every time I have called in their agents have been friendly and helpful. Their log-in portal on their website is simple and easy to use. However, there is not many features to it- so its main function is simply checking your total. There have been no major issues with them in my 4 years with them.
I tried to set up bi-monthly payments and was told I had to fill out paperwork and submit it via mail. After doing that I was informed I couldn't set up bi-monthly payments. Several months later- they set up the feature to do payments online. You still cannot schedule multiple payments in one month, but you can set up your monthly payment online now, which is an essential addition to their website.
8 years ago
Review Source
Tami Allen Gilbert, AZ
We've had several car loans over the years with Ally, and we've been grateful for their great customer service, and the way they take care of their customers. They are always polite on the phone, and easy to deal with. If you don't want to call, their website is easy to navigate, and works well to pay your bill, or set up auto pay. They have competitive interest rates and try to help their customers save as much money as possible. I have never had any problems with this company.
7 years ago
Jermain Anderson Columbus, OH
I purchased a Pontiac Vibe from Jeff Wyler somewhere between 2000-2004, and will never forget the nightmare that I experienced. The car was financed through GMAC Financial who became bankrupt. I believe GM Financial took over, or GMAC was later bailed out by Ally Financial. It also appears as ruthless as GMAC was, they had the nerve to apply for a government bailout, The way they repossessed and ruined customers credit, they applied for some government act, around 2006 or 2007. I purchased my Pontiac Vibe for $19,000 and paid off $16,000. I ran into some financial difficulty owing a balance of $3000, and had difficulty making payments. GMAC didn't have any compassion for me nor was I offered a bailout.
I began receiving harassing calls from GMAC's collection department. The representative called me everyday, never offering payment arrangements . She was rude. Then, one day, I went outside to go on an errand, and my Pontiac Vibe was gone. It had been repossessed and taken to an impound lot. I was so hurt because I didn't have the money to get the car out of pound. I had paid $16,000, with a balance of $3000. My phone had been disconnected and the representative thought that I deliberately got a new phone number to avoid the harassing phone calls. I realized that, when I called and told her my phone was off. She basically, said oops. I was out of a vehicle for a while. It was tough, standing in the cold rain, with my 3 year old son, at the bus stop, who was crying because he was cold and getting wet.
Since that time, I have had other vehicles. I later purchased 2 other vehicles from Jeff Wyler. A very courteous and friendly car salesman at Jeff Wyler helped me to get a car. There was a black manager that appeared to only help white customers that had filed bankruptcy to purchase a car. The black salesman who assisted me, didn't give up, until I left the dealership with a new car. My son purchased a motorcycle. It wasn't the car that I wanted, but I did leave with a new car.
I never got a chance to write a review for GMAC. My review would have been 1 star. It appears, this company was in repossess mode the closer you get to paying the car off.
Being that it happened so long ago, if I misstated any facts, I stand to be corrected. But what I know to be true is that I almost paid the car off.
3 years ago
Jaci Rhoades Bryant, AR
This company gave me a GREAT finance rate. A little over 1%. Customer service was nice any time I had to call. And when I sold my car, they were quick to help me into my new car.
5 years ago
Susan Woods
I was earning a good bit when I got my loan, but through no fault of mine, I can no longer work and will not be going back to work. Now I am making less than half of what i was. I still have all my bills from while I was working, plus medical bills now. I guess I am a couple of payments away from being eligible for a loan rewrite (lower payments), according to "the system". A person could think outside the box and make the exception for folks in similar situations. Then trying to find out why I wasn't eligible or when I would be was like pulling teeth. No one I spoke with was from this continent. It truly seems like they would rather I surrender my car, then sue me for the balance. Now I have to choose between keeping my car to get to my doctor appointments (I live in the country) and eating. Maybe the joke will be on them. Since I have stage 4 cancer, maybe I'll be gone before they take it - or is that joke still on me?!?!?!
1 year ago
Jim Lyons
I hve many loans thru ally all paid in full, many issues when you pay off early once i had to get a attorny involved because they refused to give payoff,info on a 96k loan, since covid ive had 2 loans the last loan was at 13 percent on used paid this off in a 1.6 years went looking for new truck, and giving qoutes from 15 to 21 percent intentest rate. Called them and aforgneir answers and says the rate is decided by the dealer, they play peole stupid. The last truck they finances was 84k paid it off esrly the spend money to send a check of .29 cents, jist postage is 64cents. Regrrtable they have financed more then 800000k for me in 10 years, now they lost all business because of games. My newest truck i financed os 98k and its not thru ally. I flat told the dealer, i would npt do the deal and they could shove it if it was ally, even the dealer has no idea what allys issues are. But hey the new company im dealing with will get plenty of business from me now.
1 year ago
Susan Denton
Ally was great until my car was totaled. My insurance company called to get pay off, and paid the amount given. Then I receive notice that I still owed on the car. They gave the insurance company incorrect amount. Ally told me that they give insurance a different. Makes no sence. A pay off is exactly that, a pay off. So, then my insurance company had to re open my claim because I had a loan lease program that paid towards amount not paid off. The GAP wouldn't cover until this was taken care of. After several calls to request information for GAP, nothing seemed to ever get resolved because of mis information on Allys behalf. Finally after 9 months, GAP got the correct information and paid, once again the remaining amount shown due. However, Ally again is stating I still owe more money. I will never finance through them again.
1 year ago
Vonzella Barnes Washington, DC
I would have give ally o stars it is sad you are forced to choose a star or your not allowed to leave a comment.This company has been terrible since I first purchased my car from them I am finishing paying the vehicle off but there stating I owe $208.00 for a key fee in which I do not I have paperwork that states there was a $0 fee for the key charge so now there holding up my Title to my vehicle.then you cannot reach out to there cooperate cause there cooperate telephone number or name isn't listed at all it's definitely bad business I would never e-v-e-r purchase a vehicle through this company even if it was the last option..Bad Business....DO NOT RECOMMEND THIS COMPANY.
1 year ago
Mike Vansickle Dallas, TX
The worst company I've ever dealt with in my life. They are rude and unresponsive. My mom died on Christmas Eve in 2020. I have attempted since then to get them to update the loan so I can get the car inspected and updated with the state. I keep getting pulled over because Alley won't help me get the name on the car changed. I've sent in paperwork many many times attempting to resolve the situation. When I call they leave me on hold for a half hour then transfer me multiple times. Today they transferred me to a department they knew had already closed. This is a company to avoid at all costs. Run don't walk away from these people.
1 year ago Edited February 12, 2024
Jin Kwon Fayetteville, NC
Ally Auto is a shady business in my opinion. When I started my car loan with them, my car payment was 17k. When I looked at the actual cost of my car, it was 7k. So they charge me 306.29 a month for a car that's worth 7k. When I first was making payment, their agent told me that they do not take credit card payments so I set up my checking account. Ok, let me tell you how shady this company is. I didn't set up auto-pay so I made a payment. Then I set up auto-pay, and again they charged me twice two different times. If I hadn't caught it at that time, I would not been told of the double payment because nothing was mentioned through mail or email.
Well in June, I lost my job so I had to figure out how I was going to continue making payments and needed to keep cash in the checking account for the rainy days. I called their agent and asked if they take payments on a credit card. I was given new information again. I was told they do take credit cards and I verified twice to make sure that Ally would take further payments through my credit card.
After a few months had passed, I looked at my credit card and there were no funds being taken out for Ally Auto. I checked my checking account and there it is. They have been taking out money from my checking account even though I had provided my credit card information to them.
When I called in to ask why my credit card wasn't being charged but instead was being charged to my checking account again, I was given new information. I was told you can't auto-pay with a credit card. So from June to Nov, they have been taking it out of my checking account. I called and asked for them to refund those checking account payments since it's the fault of their agent for giving the wrong information.
I told the agent as soon as they refunded, I would make the full payment through my credit card. What makes this even worse is that I had told the agent at the time in June that I had lost my job not long ago so this is why I wanted to make sure I can make payment through credit card.
Ally Auto agent told me that even though its the fault of the agent, they will not refund the cash back to my checking account since it's been posted.
I am going refinance and never deal with Ally auto again.
2 years ago
Dieter Jordan Pahrump, NV
While it was easy to get a auto loan, to get out of it is a horrible experience. I paid off my auto loan and now I have to wait for a release letter. Even if I paid out of an ally bank account the company would not release my title. The reps just follow policies without looking out of the box. There is no chance to talk to someone who makes decisions. The management hides behind out of the country callcenters.
for me a once and never again experience.
2 years ago
Christine Ferraco Floral Park, NY
ALLY is the worst. I returned a jeep, all payments made and made on time, 4,500 miles under. I viewed my credit report and found a balance that I was unaware of. When I leased my new vehicle, the dealer and myself was never notified of any balance or termination fee. I spoke to numerous employees, Abby, Angela, Paul, Rachael and Renee at Ally and all they kept saying was "I'm sorry". I asked when and how I was contacted asking for money and I was told, "We never contacted you." Yet, the balance is on my credit report. ILLEGAL!. I will never use Ally again. I urge everyone to stay away from them at all costs. Trying to fix a credit report is not an easy task. Thank you Ally for causing chaos and fraud!
2 years ago
Worst bank ever
This is the worst bank ever to get an auto loan let me explain on September 5, 2023 they repoed my car saying that I was 5 mos behind when in fact I know I was not 5 mos behind because I make my payments every month they said I had to pay 1700 and something in order to get my car back then when it was all said and done they said I had to pay 2500 which they minus the 400 for the repo fee so I had to pay 2,129.29 which I did then they did not tell me until after I made my payment that I have to pay through money gram or western union since the car was repoed and since I paid through their automatic system they put a 7 day hold on the account so I will not be able to pick my car up until next Monday customer service was very rude and not helpful at all I wouldn’t recommend this company to anyone by the way they also lied and said my car wouldn’t go up for auction until October 15th if I had not paid for my car by then I called yesterday which was October 2nd when I made my payment and the lady told me the car has been at the auction since September 25th one day after my payment would have been due
2 years ago
M Neenah, WI
Worst loan for car. I just bought my car from the dealership and suppose to get my title and stuff but never did. Call the loan place and they told me that I have to pay the full amount off the car first before I can get my title. If I could pay off the whole car I wouldn't have bother to go through and get a loan. Second, they don't all seem to be on the same page. Was told I can do split payments and that's what I did, but they still charge me my full amount even after I did my split payments. Now they are saying that it's not how it works. They kept telling me that I have to pay my full amount monthly. Well, if you split my amount up by 2 payments it'll equal up to the monthly payment. It didn't seem to get to them. Still charge me the full amount even after. Last, when speaking to a representative /Customer service they make you wait forever to get a random answer. I waited on the phone for a good 15-30 minutes for an answer that they couldn't give. Even chatting they take forever to answer back even after they read it. Horrible loan place to go through.
2 years ago
Heavenly Anthony
Ally is the WORST auto car loan. I would rather deal with SunTrust and they aren’t even around anymore.
I finance my car with them in April since April I have been calling them every month and explaining to them about why the money does not get taken out of the account.
They continue to tell me that it is Navy Federal’s problem. I contacted my bank, they said nothing was wrong and the funds are in the account.
Ally’s app says my balance has been paid, they even sent text messages to say it has been successful.
If that is the case Ally, why isn’t my bill paid ?
Why am I getting the run around about my bill?
This is what the Account Specialist Lynn said , she is sorry to hear that and all that she can do is to cancel the funds in the account and we can reprocess it .
However, it takes a couple of business days for it to cancel (which I’m thinking omg late fee, but I’ve been trying to give Ally money).
I was trying to ask to speak to someone in a position above Lynn’s , she stated she tried nobody answered and that she was sorry again and I explained to her about the late fees she GUARANTEED that I will have no late fees.
My concern still has not been solved , why does the app and text messages says everything was successful but in their system it does not?
I will be refinancing with another bank next month.
2 years ago
Alex Holb Eden Prairie, MN
I had a vehicle with ally that was due for a total of $30,000.00. I made $23,000.00 in payments for a lease and had my insurance company write a check for around $25,000.00 for a total loss. Due to my vehicle being paid off early on the lease my lien holder "Ally" had fine print that states they can take all of the equity built into my vehicle. In total my payments were around $45,000.00 to Ally and I will be receiving a check for $1000.00. This was after I fought my insurance company for more money due to an original low offer for my vehicle. It is funny to see this as they physically cannot lose on any deals ally has with this. If you have negative equity in your vehicle you are expected to pay the difference on that and if you have positive equity the bank feels a need to take it. This has had a negative effect on my relationship with Ally and will never consider signing papers with them in the future on either mortgage or vehicle. I would stay away from this company with anything as they most likely do this with other products they back. I had a similar situation with GM Financial and had a return check of $15,000.00 from equity in a lease. Please consider anyone else for your financial needs.
2 years ago
James Policastro Philadelphia, PA
This was the first time using Ally the car dealer said is was the only one that would approve me. But i previously used Cap One and had not late pays and paid them off with out trouble. This was also the first time i had purchased gap insurance. Well i got into an accident within 2 years and had a total loss the difference between insurance payoff and owed was about $2000. This happened in Feb 23 and after months of Ally holding up documents i need to file for gap payment. After 20+ calls, once a week. They still have not sent the right documents. There website is always down and the app is pointless because you cant download documents. So now its July 23, and i get a letter that they cancelled the gap payment from the original load leaving me with our active gap insurance. The put the original gap payment that was billed into the original contract toward the remaining balance. Now the want $1200 which if they just gave me the proper documents my gap insurance would have paid. And on top of it they are now charging .36 a day for the remaining balance not being paid. They are thief's and a con artist loan company. And after thw accident i got a loan for a new car through Cap One without issue.
2 years ago
Tom Cementon, PA
Negative stars here. DO NOT USE ALLY BANK for auto financing in any capacity. Ally Bank issues different buyouts and payoffs depending on who is making the payment. If you are personally paying off Ally Bank they will issue a contractual payoff; however, if a dealer is going to buy out your vehicle, Ally Bank will issue an inventory payoff at Fair Market Value. This impacts the consumer by locking them out of any equity obtained in vehicle. Ally Bank refused to accept wires, ACH or any online payment processing for payoffs. I personally wired the bank the funds; however, they rejected. I utilize their online payment system to send the funds from checking account. They rejected. They required that I go to the bank and get a certified bank check which I did and overnighted. They received on Friday at 6:19 AM and have no updates on Tuesday. Ally Bank is not capable of issuing a valid payoff. It is only an estimate that has changed 3 times since last Monday (stated valid through July 5th); however, they require the consumer to get certified funds based on an estimate. It is really pathetic. Their customer service is the worst. I work in lending and I am just amazed and ultimately disappointed to say the least. I had no issues using this bank up until this point. I have never missed a payment and only want to payoff my vehicle EARLY. I have used them twice for auto financing. NEVER AGAIN. STAY FAR AWAY AND YOU WILL THANK ME LATER. My hope is that this review will help other consumers avoid the traps and fraudulent practices of this bank.
2 years ago
Darian Cooper Independence, KY
Ally Auto Financial has garnered a reputation for being detrimental to customers due to various reasons. Firstly, their customer service has been consistently disappointing and frustrating for many individuals. Customers often report long wait times, unhelpful representatives, and a lack of resolution to their issues. The poor customer service experience leaves individuals feeling undervalued and neglected, as their concerns and inquiries are not adequately addressed.
Furthermore, the Ally Auto Financial app has been widely criticized for its subpar performance and functionality. Many users have encountered numerous technical glitches, including frequent crashes, slow loading times, and difficulty navigating the app's features. These issues make it extremely inconvenient for customers to access and manage their accounts efficiently. The app's shortcomings not only hinder the user experience but also create additional stress and frustration for customers who rely on mobile banking for convenient financial management. Overall, the combination of substandard customer service and a poorly functioning app has resulted in an unsatisfactory experience for many Ally Auto Financial customers.
2 years ago
rhonda lathrop New Haven, CT
I would never recommend or utilize this company EVER, EVER again. This company has the worst policies and customer service in the world. Car was paid off a year before time, and I have received more than one congratulatory email your car has been paid in full emails. When I call to get a Paid in Full letter, I can't get in for 13 days, Statement reflects paid in full, and my bank account is minus the amount due, but I can't get a letter. I am not asking for any release letter or even the title to the car, just a letter reflecting what the account statement states is PAID IN FULL, which is asking too much. Don't get involved with this company. They do not work in the best interest of their customer.
2 years ago
Dejanee Washington Dallas, TX
Ally is the worst!!!
I got into an accident in November 2022. My car was declared totaled in January 2023! I paid my car note for December
(Even though it was in the shop- waiting for insurance claim)
After it was declared totaled I did not pay in January and my insurance sent in a check to pay off the rest of my loan. I’ve received calls weekly saying my payments are late and I’ve referenced my insurance claim # and help ticket # with ally EVERY TIME & EVERY TIME they say they’ll wait to speak with my insurance agent … IT IS NOW JUNE!!
FIRST, they claimed they lost the check (even though it was sent to their PO BOX listed for totaled vehicles) 2 weeks ago I got a call from insurance company saying Ally never cashed their check and sent it back.
My account is now delinquent and considered a repo, this has impacted my credit tremendously as if I haven’t made a payment in the last 6 months!!!
I’ve received a payout from insurance and CANNOT purchase a new car without a letter from ally confirming my loan is paid in FULL!! What a load of crap. No car for the last 8 months & I DRIVE FOR WORK!! This is the most unprofessional, unorganized, incompetent institution I’ve ever worked with. You have enough wherewithal to know I’m missing monthly payments but have no idea how to cash a “paid in total” check from PROGRESSIVE?! Make it make sense ALLY. DO better! You can count on my business NEVER again and you can bet I will tell everyone I know what a horrible experience this has been.
2 years ago
Katrina Keefe (Kat) Victor, NY
For what I thought was a great lease company for our Tacoma and our 4Runner has turned into a nightmare. a vehicle well care for that holds its value and have been told by my dealership that Ally is screwing customers as well as dealerships. told us we had no equity in our Tacoma, which felt like an insult stab to our gut. turns out its Ally Auto who are stealing from people and sticking it to the great customers and dealerships. now we have to give up our beloved Tacoma because Ally Auto hasn't made it worth our while to even consider keeping it. Unfortunately our 4Runner is with Ally still and I can't wait to be out of that contract with them too... never again.
2 years ago
Nick Fallon Washington, DC
I would give this company 0 reviews my insurance has sent 4 checks for my total loss as someone crashed into me and left the scene (hit and run) I immediately filed a claim with my insurance and the first check was sent 3 months ago I am still having issues as they keep refusing the check my insurance is not sure why as I have all information they requested, this has affected my credit score heavily as I cannot afford to pay a car I don’t have and had paid for several months of payments after the accident but can no longer due to having to pay for another car payment as I needed to get to work somehow, this company is awful and will not respond to me don’t go with this financial company
2 years ago
Christina Fox Chicago, IL
They unlawfully repossessed the vehicle I was making monthly payments on. They did not give provide the Cobb Notification letter they are required to send me since they were accepting my late payments. They are Ally financial and have class action law suits against them for this exact issue and also within the state of Minnesota where they paid $780 in settlement due to them not following proper protocol per state laws. I got behind in payments when I was laid off last year, notified them of my lay off, they wouldn’t do any payment arrangement or payment assistance since my loan was so new so when I regained employment I have been paying monthly payment plus additional amount each month to get caught up. They closed my account in February regardless of those payments they had been accepting (without me knowing it until today) and continued taking my payments. Last payment was on 4/17/23 for $900. They repo’d vehicle on 5.7.23 with no Cobb notice sent to me. I would have been able to get completely current with my auto loan within the next 30 days if they would notified me of the repossession action and allowed me to make large payments now and then in two weeks when I get paid again. They are telling me since they closed my account they won’t even allow a payment arrangement to get current and I either pay loan in full or they will sell my vehicle.
2 years ago
YoungTLoLo Blessed Baton Rouge, LA
They tell you one thing and than when you do that one thing they come back and say something else to do. They give you the run around and not only that they put you through the most simplest things that could've done on their own. They are ridiculous and they need to do better with their services I can wait to find another financial company because you all are ridiculous and have no earthly clue about what y'all are doing to make it easier on your customers to handle important business. This is unacceptable and utterly redundant. Do a better job to maintain a better experience and relationship with your customers. JUST RIDICULOUS JUST RIDICULOUS
2 years ago
Ted Hall
I got stuck with this company financed my car through the Elder Mitsubishi dealership in Cedar Park Texas alley auto financing has no customer service and also the worst payment processing app which makes it impossible to make payments if you don't set up an auto debit you will end up being late they will charge you late penalties they will harass you call you multiple times a day when you try to make the payment you can't understand anything that they say because no one speaks English clearly enough the accents on their customer service Representatives do not allow a comprehensive understanding of anything that they say they speak too fast and talk and their own computer jargon where all vowel sounds run together I teach music for a living and teach students with accents from all around the world I can understand almost anyone accent I don't know what it is about the customer service reps at Allie I almost think they don't want you to understand them this company is very difficult to deal with I do not recommend financing a car through them
2 years ago
Kimberly Busch Cleveland, OH
I have had a car loan with Ally since 2017. From then up until now have never had an issue. I actually never had to speak to anyone I did all my payments online and always within the grace period. Never had one late fee. Fast forward to now and why I'm writing this post I filed bankruptcy in Jan and decided to reaffirm this loan as I only have 9 payments left. My attorney explained that once I file I will lose access to pay online and that I will need to call and pay over the phone through a third party called aci or send a check in the mail. Sounds simple enough I called in Feb paid over the phone through aci for a $4 charge never even had to speak to a live person. Now March I call to do the same this time as soon as I enter my account number it says payments can not be made to this account and it forwarded me to a live person. The agent tried to process the payment and got the same error she said Ally is blocking the payment. Then she transferred me to the Ally bankruptcy department. They are HORRIBLE no one knows what they are doing. They kept saying yes no can pay over the phone would transfer me back to the aci department and the same circle happened for 4 days. Finally they got the payment to go through and it was deducted from my bank account and I was given a transaction number. Now the problem is my account is still showing no payment. I call again ask why the payment hasn't posted they say what Payment? Now they can't find the payment and the transaction number does not exist!! I go to a manager who insists I show proof of this so I call my bank on three way and my bank confirms yes there was a payment made to aci ally and confirmed date and amount. And gave ally there transaction id. We hang up with my bank and the manager says to give him 24 hrs. Which that turned into another 2 days. I call him and he couldn't figure this out and wanted me to start all over calling aci now? I was very frustrated called my bank and disputed the charge since it was 9 days and they still couldn't find the payment they took. I got my money returned hrs later. And sent a check in the mail to ally payment processing center in Kentucky. I sent it on a fri and it was cashed and applied to my ally account by Sat. I was so Happy!!!! So after 3 wks of dealing with this I sent my check right away for April on March 31'st. I called the week of April 10th to see if they got it. They said it can take 7-10 business days. So I waited then called again on the 17th. They said no we have not received it. They said what address did you send it to. I said the same one I did last month the one in Kentucky. They said that's wrong it needs to go to one in Arizona. Which makes no sense since they cashed it last month with the Kentucky address? So I say fine I'll send another to the other address. Which I did that same night. Surprise Surprise next day they cashed the one sent to Kentucky!!! AND ITS NOT POSTED TO MY ACCOUNT AGAIN!!!!! I call AGAIN they say we show no check get all the info. And once again tell me to call in two days. What kind of company takes money and CAN'T FIND IT!!!!! And now there is another check in the mail. I have filed a claim with the BBB. The Ally bankruptcy department is awful!!! None of the customer service agents knows what's going on. All I'm trying to do is pay my bill like I have always done. If you file bankruptcy I would recommended surrendering your vehicle.
2 years ago
Delphine Fano- Sacramento, CA
RE: ALLY auto Customer service dept. WHY did I call over 5x's, follow prompts and while waiting for Customer service, someone keeps hanging up! Ally corporate SERIOUSLY needs to check and monitor their people who works for them. It is outrageous when a customer tries to call to discuss their account seriously! Especially, people that going thru' temporary hardships. It's deadly -stressing to some people. Customer services either hangup or make some excuses like, "call back, the systems are down, not sure when it'll go back on". Or...." After a conversation, then all of the sudden, they're saying" hello, are you there, can't hear you....etc. THESE ARE ALL OLD games people play! Cut the outsourcing seriously. Bring jobs BACK TO THE U S. Ally should be Boycotted and ALL auto account monthly payments should be waived until corporate or Even our state or U.S state representatives get to the bottom of this matter. ATTN: Corporate!!!! PS: Why in the hell is a stupid question on here "Did ALLY invite....?!! Stupid
2 years ago Edited May 23, 2023
Donald Rogers Wyoming, MI
Well after seeing these reviews I am not the only upset person. Purchased a 2022 trailblazer in 2021, on Sept. 20th, and it was financed thru ally Bank. Just last month traded it for a equinox 2023, the car dealer paided off the remainder of the trailblazer, on Feb. 23, 2023, and I have told this to ally, gave them phone numbers and names to talk to, cause ally says they didn't get the pay off, yet the dealer showed me proof. I am getting emails from ally saying to make a payment. I have called 4 times, emails too. I am a senior and cannot take this harassment. They won't let me talk to the finance department. They say I can't, but they will give the information to the office. If I die of a heart attack from this stress, legal action will take place.
2 years ago
H V Denver, CO
I’m only leaving one star because I have to otherwise they would be getting negatives all across-the-board. They are the worst company I’ve ever dealt with. I financed my BMW in 2021 through them, and recently was laid off from my job so fell behind a few months in my payments, I was able to set up a couple of payments to get caught up once I received my tax return, leaving a small balance which was over my monthly payment amount. They automatically withdrew that from my bank account, making me overdrawn in addition to getting nonsufficient fund fees, return check fees, and late fees, so I called and spoke to customer service rep, who put in the request for the refund and assured me that there was no pending payments set to automatically come out in the future, five, FIVE!!!!! days later that same amount of $627 was pulled from my account again, again making me overdrawn and charging me all those fees. I now have over $200 in fees and charges. I called and spoke to a rep today, who just argued with me and then transferred me to his supervisor. When I explain the situation to her, she just kept repeating herself and extremely broken English I might add, That there’s nothing that they can do because I set up a payment. I tried to explain to her yes, a month and a half ago I did set up two one time payments those came out then it went back to my regular one time payments I did not authorize this large amount to come out of my bank account twice in less than a week I wanted a refund. She apologized and told me sorry there’s nothing that we can do or will do. We are not refunding you you need to contact your bank for these auto pays that set up. I told her I’ve already contacted my bank a few times and they assured me that there are no pending auto or upcoming payments scheduled to come out of my account. I explained that to her and she also told me to log into the app which, by the way doesn’t work, has never worked for the entire amount of time that I’ve had my loan , and to try the website which also doesn’t show any upcoming or pending payments scheduled, and I am not in auto pay. So I told her can you please explain to me why this money keeps coming out of my account if I didn’t authorize it, I didn’t set it up, You guys didn’t set it up and my bank didn’t set it up??? and she kept arguing with me telling me that I set it up. I told her I definitely would not authorize a payment this large, knowing that I didn’t have the funds to do it, but would be making my regular monthly payment again she was just rude and argumentative with me and basically told me oh well nothing I can do so I hung up. they have the worst customer service, they are crooks. They are thieves. They are extremely under educated on customer service and how auto financing works. stay as far away as possible, even if you are desperate like I was to get financed.
2 years ago
Roseanne Stankovitz Cassville, NJ
I bought out lease and finaced thru ally on 6/2020, !have been making payments ever
since, I rec'd notification from ally that account was moved to ally auto.com for the servicing of my account I had to use a new website which i could make payments had issue but finally I was not able to log on to my account and now it shows I am past due over $9000. on the phone for over an hoiur disconnect
many times no answeres i dont know if they reported this to the credi bureaus. I have not had any claification or corrections to my account getting the run around. I have my note and my payment hisotry which shows consitant payments sinbce loan was orginated They are giving me the run around
sopending hours on phone with no satisfaction other then to tell me they are looking into it. I ha ve now filed complaaints withthe CFPB and NJ Dept of Banking, The CFBP replied and they said Ally has 60 days to get back to me. They STINK!!!!!!
2 years ago
Dakara Flynn Hyattsville, MD
One star is too big needs to be an option for negative numbers. I contacted Ally in October of 2022 for a payoff balance. They gave me the amount and said I had within a few days to pay that particular amount or it would change. Ok, I didn't have a problem with that because I wanted to pay it that same day. I talked with Ally customer service through phone and chat 5x just to verify the payoff amount was correct and once after I sent the payment through. They confirmed that the payment was made and it showed a zero balance on my account through the app. A few days later I received a completion and thank you letter from Ally on paying off my loan. I called Ally to asked about my title release I was told I would receive it in 7-10 days. I did, my title was sent to me I have it, great. However, just because I had difficulties previously throughout my transactions with Ally I went back into my account to make sure it was closed out and my banking info was deleted from the app. Just to see I have a balance of 600.00 dollars!! How and what type of bs is this. I immediately contacted Ally they have no idea why then they tell me it's because of a payment the month before I missed. Excuse me! If i ask for a payoff amount of everything and get the information from the representatives that's what I take for bond. Ally is fraudulent and they will not get another dime out of me. I have my completion letter and title that they released because I paid off my account. I reported them to the credit bureau, stay far away from Ally.
2 years ago
jennifer thompson Prospect Park, PA
I’ve been a customer with Ally for a few months now. The first month they allowed my car salesman to set me up for automatic payments that I did not ask for and then I was double charged. When I requested a refund they told me I would get it in 7 to 10 days and it took well over two months to have my money refund it . Every month after I have tried to make a payment online only to be told that they cannot take my payment at this time. Every time I call customer service I am given a person that barely speaks English and it is very hard for me to understand what they are saying. All I ever wanna do is make my payments on time and not be troublesome but the Internet will not allow me to. When I called customer service and tried to explain the problem to them all they tell me is I can make my payment by phone and be charged a four dollar fee. Every month they are getting an extra four dollars out of me that I should not have to pay all because they do not do maintenance to their website or listen to the concerns of the customer. They will shuffle you around from person to person with no results. This is the absolute worst company I have ever done business with I will soon be looking for another finance company to take over my loan as I cannot take this anymore
2 years ago
Review Source
Linda Parker Burkburnett, TX
If you are the CO signer you have 0 rights but all the debt. Customer service gives you 1 800 BS phone numbers to non existent loss mitigation departments for a flooded out vehicle that you merely co signed for that's been a loss for over a year and in ditch lord knows where from a flood. But,, you can only pay to get them to stop harrassing you!!!
When you get collection calls they and ask for. Account Access,, they don't allow you access to a database that is registered to the actual driver you co-signed for - absentee driver - dead vehicle - you keep payInc and paying, But Zero Rights with Zero Access and bi-Monthly trumped up Late Fees every other month. Such crooks and criminals! There needs to be a law that forces ALL OWNERS ACCESS TO ACCOUNT AT ALL TIMES!!
2 years ago
Felicia “CrimsonCutie” Prentice Tuscaloosa, AL
Zero stars. I had to select one in order to submit my review.
My credit union mailed the payoff of my vehicle on 12/16/22, today is 1/17/23 and Ally is saying that they did not receive the check even though I have a copy of the check that clearly shows it has been cashed. Each time I speak with someone, I’m told they will investigate and provide me with a reference number. That reference number is not worth the paper I wrote it on because when I give them the number, they are still oblivious to what the number is referencing. Just like all of the other reviews, stay away from this company because something fraudulent is going on with them. I’m going to let the Credit Union lawyers handle this so they can find out where the funds are that was sent to them.
2 years ago
JAMES TOTH Houston, TX
Customer service non existent. Hang up on you the minute they get a chance. I'm behind on payment and tried on SEVERAL occasions to work out payment plan to no avail. Car is disabled and spending all the cash I have to get it fixed. Oh and by the way, even if you do manage to talk to someone who doesn't hang up on you, they never enter the info on their data base and constantly harass you every chance they get. I can understand why they don't have any office's, they'd be full of angry clients. Threatening to repo unless I give them money right NOW. Going to have my mechanic put all the parts in the front seat and tell them to come and get it. In the future I'd rather siphon gas from a burning car than have to deal with them ever again
2 years ago
