Clearlane by Ally
Clearlane by Ally
in Auto Loan Refinancing from Ally Financial Inc.

Clearlane by Ally

in Auto Loan Refinancing from Ally Financial Inc.
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This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.


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Credit Score Range 600 - 850
Loan Amount $5,000 - $100,000
APR  (Fixed APR) 3.64% - 21.9%
Loan Term (Months) 36 - 72 months

Clearlane by Ally Review

Clearlane auto refinance is an auto loan refinance offering by Ally Financial Inc., based in Philadelphia, PA. Founded in 2001, Ally Financial Inc. offers auto refinance loans in 50 states (and Washington, DC).

Key Takeaways

  • APRs starting at 3.64%. There are average starting rates for an auto refinancing loan. If you have good credit you may qualify for a loan with better rates.
  • Lease buyouts. Offers refinancing to buyout an expensive lease or purchase a company car.
  • Fair credit accepted. The credit score needed for Clearlane by Ally is relatively low. Borrowers with a credit score as low as 600 may qualify for Clearlane by Ally.
  • Refinancing for large loan amounts. You can refinance auto loans of up to $100,000 with Clearlane by Ally.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the auto refinance loan early.
  • Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Clearlane by Ally.
  • Long loan terms. Clearlane by Ally offers loan terms of up to 72 months. Most auto refinancing loans have a maximum term of 60 months.
  • Minimum income of $24,000. You will need an annual income of at least $24,000 to apply for Clearlane by Ally, which is above average for the lenders in our database.

Clearlane auto refinance Pros & Cons

Pros Cons
  • Low APRs available to qualified borrowers.
  • Available in all 50 states.
  • Clearlane by Ally does not report to credit bureaus.
  • Considers applicants with fair credit.
  • APRs as high as 21.9%.
  • Charges an origination fee.
  • Charges prepayment fees.
  • Charges a late fee.

Clearlane auto refinance FAQ

How much can you borrow via Clearlane auto refinance?

Auto refinance loan amounts start at $5,000 and go up to $100,000.

What are the auto loan refinancing rates offered through Clearlane auto refinance?

Clearlane auto refinance offers a fixed APR car loan refinancing product that ranges from 3.64% APR up to 21.9% APR.

What is the maximum loan term you can get with Clearlane auto refinance?

Clearlane auto refinance offers auto refinancing with terms ranging from 36 to 72 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto refinancing loan, the more interest you will pay.

Does Clearlane auto refinance charge an origination fee on auto refinance loans?

Yes, Clearlane auto refinance charges a loan origination fee.

Origination fees and requirements vary by state.

Does Clearlane auto refinance charge a late fee?

Yes, auto refinance loans via Clearlane auto refinance are subject to late payment penalty fees.

Does Clearlane auto refinance charge prepayment fees?

Yes, Clearlane auto refinance does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment feees can reduce or even cancel the interest savings of repaying a loan early.

What do you need to qualify for Clearlane by Ally?

Applicants with a credit score of at least 600 and up to 850 may be eligible for Clearlane by Ally.

To qualify for auto loan refinancing with Clearlane by Ally, applicants need a minimum annual income of $24,000 or higher. Clearlane by Ally only considers borrowers who are employed and meet the minimum income requirement. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Clearlane by Ally. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Clearlane by Ally. Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Recent pay stubs
  • Driver's license
  • Proof of citizenship or residence permit
  • Proof of residence

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Message From Clearlane auto refinance

Smart, Simple Auto Financing. Online financing that fits your needs. See if you pre-qualify in minutes with no credit score impact. Get personalized options and decisions online. It's fast and easy! See if you'd save by refinancing. If you pre-qualify, see personalized APR and monthly payment options online in minutes. No SSN or credit score impact to see if you pre-qualify.


Hours of Operation

  • Sunday 12:00pm - 12:00pm
  • Monday 12:00pm - 12:00pm
  • Tuesday 12:00pm - 12:00pm
  • Wednesday 12:00pm - 12:00pm
  • Thursday 12:00pm - 12:00pm
  • Friday 12:00pm - 12:00pm
  • Saturday 12:00pm - 12:00pm

Other Services by Ally Financial Inc.


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Credit Score Range 600 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Co-borrower
  • Cosigner
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Annual Income $24,000
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
  • Proof of Residence
  • Social Security Number
APR (Fixed APR) 3.64% - 21.9%
APR Type Fixed APR
Loan Term 36 - 72 months
Loan Amount $5,000 - $100,000

Clearlane by Ally Community Reviews


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This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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