Making A Payment FAQs
FAQs
-
Yes. You can schedule payments online any time, unless you're enrolled in Direct Pay. If you mail your payment, be sure to include your name and vehicle account number on each check. To pay towards multiple vehicles with one check, include a list of the account numbers with your check.
-
We don't charge a fee to make a payment, but third-party sites like CheckFreePay, Western Union®, ACI Pay, and MoneyGram will.
The best way to ensure you're making your payment on the Ally website is to type ally.com/auto into your browser, go to the Ally app, or use your web browser favorites.
You can use your bank's bill pay feature or enroll in Auto Pay to have your monthly payments withdrawn directly from your checking or savings account on the day you choose.
If you're eligible, you can sign up to make payments by text. We won’t charge you to pay by text, but your phone service provider may. If you're not eligible, the option to sign up for text payments won't be available as a payment option. To learn more, log in and go to Alerts.
We're committed to making online payments safe, simple and convenient. Visit our Security Center to learn more about how to protect yourself online.
-
There are a few ways you can check your payment status.
Your online account
Log in , then select your vehicle from Snapshot. Your payment status will be listed below. Once we’ve received it, we’ll update your payment status to Completed within 24 hours.Email
We automatically send alerts by email whenever we receive a payment from you, and we let you know when something goes wrong with your payment. Log in , then select Alerts to manage some of the emails we send.Text
You can also receive certain payment alerts by text, including due date reminders and confirmations. Log in , then select Alerts to manage some of the texts we send. -
Mail
Send your payment to:
Payment Processing Center
P.O. Box 71119
Charlotte, NC 28272-1119Don’t forget to include your vehicle account number on your check.
Phone
Call 1-888-925-2559 to pay over the phone through a third party who may charge a fee for its payment services. This fee is in addition to your payment amount. -
You can update and save your payment account information for all of your vehicles from your Payment Accounts page.
-
To learn more about extension options and whether you qualify, contact us at 1-888-925-2559.
-
If you obtained Ally financing through Clearlane or another online marketplace, you can make payments and manage your account at allydirect.com.
You can also pay by phone by calling 855-636-2559. A third-party service provider fee will apply.
To mail your payment, send a scheduled payment to:
Ally Financial
P.O. Box 733203
Dallas, TX 75373-3203 -
When we receive your monthly payment, we first apply it to earned and unpaid finance charges that have accrued since your last payment.
The remaining funds are then applied to the outstanding balance of amount financed and to the other amounts you owe under your contract in any order we choose.
-
If you’re managing your account online or with the Ally app, it’s simple – just enter more than the amount due in the Payment Amount field. You’ll then be able to choose whether to apply the extra money to the total amount financed (what you think of as making a “principal payment”) or to future payments. If you’re not sure what that means, it’s cool. We’ll explain the difference and how it can affect your payoff schedule when you make the payment.
If you’re using one of our other payment methods, simply include the extra amount with your regular payment. Then, we’ll apply the extra money toward your next regularly scheduled monthly payment.
-
If your financial institution returns your Auto Pay or one-time payment, we will present the payment to your bank again. If your bank does not honor the payment after the second submission, that payment will be reversed from your account.
We'll send you a communication, either by U.S. mail or email, to let you know the payment was returned. Once you have sufficient funds in your payment account, you'll need to resubmit the payment online or via the payment methods listed below.
Send a scheduled payment to:
Payment Processing Center
P.O. Box 71119
Charlotte, NC 28272-1119Send payment disputes, payments with restrictions or endorsements, or customer service correspondence to:
Ally Financial
P.O. Box 380901
Bloomington, MN 55438You can choose to make another payment, reestablish Direct Pay, or pay by phone. Keep in mind a third party may charge a fee for its payment services in addition to your payment amount.
-
Payment Processing Center
P.O. Box 71119
Charlotte, NC 28272-1119 -
Check your contract or lease agreement for language regarding assessment of late fees.
If you need a copy of your contract or lease agreement, log in and check if it's available in Contracts and Titles under Documents from the navigation menu.
If you don't see the document you're looking for, contact us to request a copy.
-
Check your contract or lease agreement for language regarding assessment of late fees.
If you need a copy of your contract or lease agreement, log in and check if it's available in Contracts and Titles under Documents from the navigation menu.
If you don't see the document you’re looking for, contact us to request a copy.
-
To check payment status:
If you pay online or by text, log in , select your vehicle from your Snapshot, then Payments. You can check the status of your payment by selecting Transactions. If you don't see your payment, it wasn't scheduled.
You can edit or cancel any payment that isn’t in progress or hasn’t already been paid.
To edit or cancel online payments:
Keep in mind: you can only edit or cancel a payment if you're the person who scheduled it.
Online: log in and select your vehicle, then Payments, then select Transactions to view all your payments. Select the payment you wish to cancel, then choose Edit Payment or Cancel Payment from the Payment Details.
On our app: log in, tap Payments
You can view or cancel online debit card payments through CheckFreePay , a third-party provider.
Edit and cancellation schedule:
For payments scheduled on the current day:
Before 3 pm ET, you can edit or cancel any time until 2:59 pm ET.
Between 3 and 6 pm ET, you can edit or cancel any time until 5:59 pm ET.
Between 6 and 11 pm ET, you can edit or cancel any time until 10:59 pm ET.
After 11 pm ET, you can edit or cancel any time until 2:59 pm ET the next day.
For payments scheduled for a future date:
You can edit or cancel before 3 pm ET on your scheduled payment date.
-
On Ally.com or in our app
The easiest and fastest way is to go to log in online or on our app, select your vehicle account, then select Make a Payment. You can make payments online at any time using a checking or savings account.
You can also make a one-time online debit card payment through CheckFreePay . You'll need 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.
Through other banks
Pay using your bank's bill pay feature. You’ll need your payment amount and vehicle account number to set it up, as well as any additional information your bank might require.
By mail
Send your payment to:
Payment Processing Center
P.O. Box 71119
Charlotte, NC 28272-1119By text
If you're eligible, you can make monthly one-time payments by text. Log in and go to Transactions to check the status of your one-time payment, or go to Alerts to learn more.
By phone
You can pay through ACI Pay by calling 1-888-631-8930. You’ll need to have your vehicle account number, your bank account number or card number, and your ZIP code on hand. Keep in mind: ACI Pay is a third party that charges a $4 money transfer fee for its payment services, which is in addition to your payment amount.
MoneyGram
You can visit a MoneyGram location near you to make a one-time payment. Keep in mind: MoneyGram is a third party that charges a fee for its payment services, which is in addition to your payment amount. Contact MoneyGram to learn more about its payment options and current fees.
Western Union® Quick Collect®
You can visit a Western Union Quick Collect® location near you to make a one-time payment. Keep in mind: Western Union is a third party that charges a fee for its payment services, which is in addition to your payment amount. Contact Western Union to learn more about its payment options and current fees.
-
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.