Auto Refinance
Refinance and discover how much you could save.
Find out if you pre-qualify in minutes with no credit score impact.
Reap the benefits of refinancing.
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Our 100% online pre-qualification process gives you an offer in minutes without impact to your credit score
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You could save an average of $153 a monthly — that’s $1,836 annually
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We don’t charge application or document fees
Average monthly payment savings
$153
What you should know.
Savings info above based on January – December 2023 customers who refinanced, relative to existing auto loan, excluding monthly costs for optional vehicle coverage. If you decide to refinance, you may be able to lower your monthly payment or reduce your APR. If you choose a loan term that is longer than the term remaining on your existing auto financing, you will pay interest over a longer period of time, and as a result the overall cost of your loan will be higher in most cases. Consider this when determining if refinancing is right for you.
We make refinancing your vehicle easy.
Get personalized APR and monthly payment options online in minutes if you pre-qualify.
![a mobile phone screen displaying a success message telling users they have been pre-qualified for auto refinancing.](/content/dam/assets/ally-assets/images/devices/53180-phone.png)
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Fill in your information to see if you pre-qualify with no impact to your credit score.
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Choose an offer that best fits your financial goals and submit an application for approval.
Sign your loan agreement and provide other necessary information.
You can only refinance your vehicle with Ally if your current financing is through another lender, and if your vehicle isn’t financed in Nevada, Vermont, or the District of Columbia.
We offer additional coverage options you can easily add during the process.
Help protect your finances from a total loss with GAP.
Financing for Guaranteed Asset Protection (GAP) is available to eligible loan customers.
Get peace of mind with extended vehicle coverage.
Financing for vehicle service protection options is available to eligible loan customers.
Looking for something else?
If vehicle refinancing doesn’t apply to your situation, you can explore lease buyout options instead. If you’re looking to explore payment assistance, you can log in to your Ally online profile and select your vehicle account, or call us at 1-888-925-2559 .