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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

With a credit score of 550-559, you should qualify for a subprime APR rate, which will be higher than someone with a 700 or 800 credit score. The average rate for a used car loan in the 550 to 559 credit score range is 17.29% (47% higher than the average rate for a new car).

Ally Bank reports that you're "more likely to be approved" for their auto loans with a score of 640 or higher. There are user reports of being approved with a score as low as 600. Ensuring your revolving balances are low and that you have less than six inquiries will help.

Why do you use my credit information to verify my application? Like most banks, we look at your credit information to: Verify your identity. Protect you from online fraud.

Does Ally offer pre-approval letters? Yes. Pre-approval letters are personalized and include editable fields for property type, city, state, purchase price, and down payment amount. They're a good tool to use as leverage with sellers while house hunting.

Ally Financial Approval Odds You need a FICO score above 750 for your best approval odds with Ally Financial.

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