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Ally auto loan rates

Major dealer-network financier with online tools.

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From APR
6.19%
Best advertised rate

This is the lowest APR Ally advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.

Min credit
620+
FICO score

Ally advertises its best rates to borrowers with FICO scores around 620 and up. Below that, approval is still possible - usually at a higher APR.

Loan amount
$5,000+
Up to $100,000

Ally finances auto loans from $5,000 up to $100,000.

Loan terms
12–84
Months

Pick a repayment term from 12 to 84 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's Ally rates by loan type

Rates shown are the best advertised APRs as of June 15, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type Term APR (from)
New car 60 mo 6.19% Compare →
Used car 60 mo 6.49% Compare →

Pros

  • Massive dealer footprint
  • Buyer's Choice flexible-end loans
  • No prepayment fees

Cons

  • Indirect through dealer
  • Refi limited
  • Higher rates than top tier

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