Ally
Ally — soft-pull prequalification, terms 36–75 months, available in 47 states + DC excluded.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Ally does not publish this on their public site. "No restriction" means Ally explicitly states no limit.
Overview
Ally's auto-refinance product is fully online and offers a soft-pull prequalification. Refinance terms run from 36 to 75 months and Ally advertises average monthly payment savings of $169 for customers who refinanced between July 2025 and June 2026.…
What’s great
- Soft-pull prequalification
- No application or document fees
- Terms 36–75 months
- Advertised average monthly savings of $169 for recent refinance customers
What to know
- Not available in Nevada, Vermont, or the District of Columbia
- Loan must be at least four months old to refinance
- $2,000/month minimum income requirement
- APR range, FICO floor, vehicle age and mileage caps are not published
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | 36 – 75 months |
| States served | 48 states |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Ally's own published materials. Rates, eligibility, and terms can change — verify directly with Ally before applying.
- [1]Ally Auto Refinance — terms 36–75 months, available in all states except NV/VT/DC, $2,000/mo minimum income, soft-pull prequalification, vehicle disqualifiers list, no application fee — Ally Financialhttps://www.ally.com/auto/auto-refinance/Last checked: October 2026