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Ally auto loan rates

Major dealer-network financier with online tools.

Visit Ally Calculate payment
From APR
6.19%
Best advertised rate
Min credit
620+
FICO score
Loan amount
$5,000+
Up to $100,000
Loan terms
12–84
Months

Today's Ally rates by loan type

Rates shown are the best advertised APRs as of May 1, 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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