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Can You Pay Ally Auto with A Credit Card?
July 1, 2025

Quick Answer
Ally Auto does not permit direct auto loan payments via credit card, requiring customers to use a linked bank account instead.
Should You Pay Ally Auto With A Credit Card?
Let's weigh the advantages and disadvantages of using a credit card for your payment.
Benefits
- You can earn credit card rewards, such as cash back, points, or airline miles.
- It simplifies your monthly finances by consolidating payments onto one statement.
- It provides a short-term payment solution if you are temporarily low on cash.
Costs
- Lenders may charge a processing fee that can cancel out any rewards you earn.
- Your debt is moved to a higher-interest account if you don't pay the card balance in full.
- It can create a cycle of debt by shifting your loan payment to a revolving credit line.
How to Pay Ally Auto With A Credit Card
Paying your Ally Auto loan with a credit card requires a workaround, as direct payments aren't accepted. This guide outlines the general steps using a third-party payment service.
Confirm Ally Auto’s Policy: First, understand that Ally Auto does not directly accept credit card payments for auto loans. You will need to use an intermediary service to facilitate this type of transaction.
Select a Third-Party Service: Research and choose a reputable third-party bill payment service that allows you to pay loans with a credit card. These platforms charge your card and then send a payment to Ally Auto on your behalf, typically via check or ACH transfer.
Choose the Right Credit Card: Select a card where the rewards earned will outweigh the service's processing fee. To find a card that aligns with your financial goals, you can use the Kudos explore cards tool to compare different options.
Calculate the Total Cost: Always factor in the third-party service’s processing fee, which is usually a percentage of the transaction amount. Ensure the credit card rewards or benefits you receive make this extra cost worthwhile.
Schedule Your Payment: Provide your Ally Auto loan account information to the payment service and schedule the transaction. Allow for extra processing time to ensure the payment arrives before your due date and avoids any late fees.
Impact On Your Credit Score
Paying your Ally Auto loan with a credit card can influence your credit score in a few key ways. Here are the primary factors to consider before proceeding with this payment method.
- Credit Utilization. Charging your car payment can significantly increase your credit utilization ratio, a major factor in your score. Lenders prefer this ratio to be low, and a large payment could negatively impact it.
- Payment History. Your payment history is the most important part of your credit score. You must pay your credit card bill on time to avoid any negative marks on your credit report.
Alternative Ways To Pay Ally Auto
Direct Bank Transfer
Instead of using a credit or debit card, you can link your checking or savings account for direct payments. This method, often called an ACH transfer, pulls the funds straight from your bank. It's a secure and direct way to handle your monthly payment without incurring potential credit card interest or cash advance fees. You can set this up for one-time payments or recurring transactions through your online Ally Auto account.
Automated Payments
For a more hands-off approach, consider enrolling in Auto Pay. This feature automatically withdraws your payment from your designated bank account on its due date each month. Setting up Auto Pay ensures you never miss a payment, which can help you avoid late fees and protect your credit score. This setting can be managed and adjusted at any time through your account portal, giving you full control over your automated payments.
Choose the Right Card to Pay Ally Auto
Using the right credit card for your Ally Auto payments can be a game-changer for your rewards strategy. If you're unsure which card offers the best perks for you, the AI-powered Kudos Explore Tool can help. It sifts through a database of nearly 3,000 cards to find your ideal fit based on your preferences, whether you're after cash back, travel miles, or low interest. Take the guesswork out of the equation and explore all cards to start earning more on your monthly payments.
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Frequently Asked Questions
Are there fees for paying Ally Auto with a credit card?
Yes, third-party payment processors typically charge a convenience fee for each transaction made with a credit card.
What credit cards can I use to pay my Ally Auto loan?
Most major credit cards, including Visa, Mastercard, and Discover, are usually accepted through Ally's third-party payment partners.
Does paying my car loan with a credit card impact my credit score?
It can. Using your credit card increases your utilization ratio, which may temporarily lower your credit score.
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