Ally Clearlane

Lender Summary

Ally Clearlane is an online platform that helps customers refinance their current vehicle or secure financing should they wish to purchase their leased vehicle. Our powerful digital experience instantly allows customers to choose a loan that suits their individual needs, while still offering personalized help and support along the way for those who need it.

 Why you should choose us 
Ally Clearlane — one of the largest providers of automotive financing in the United States with more than 100 years in the business. That means you're truly working with industry experts. We also take your privacy and security seriously. You can rest assured that we only ask for personal information that will be used to finance your vehicle — and you can have peace of mind that keeping your information secure is a top priority. 

Added peace of mind 
Ally Clearlane can also help you plan for the unexpected by safeguarding your vehicle and your budget with GAP (Guaranteed Asset Protection) and extended repair coverage.* Even better, we can include this as part of your new monthly payment when you secure your financing. 

* Not available in all states. Some restrictions apply.

What they're saying

Ratings & Reviews
69 Reviews
  • Interest Rates
    Good
  • Fees & Closing Costs
    Good
  • Responsiveness
    Good
  • Customer Service
    Good

Review Breakdown

You'd have to pay fee on top if your car payment

What they won't tell you if you can only make payment through western union $4 on the phone or $10 if you go to a western union branch and it takes day for them to receive that. Unless if you sign up for auto pay way ahead of time. No thanks! I like to put money on my car loan whenever I have extra money and I want to convenience to do that

Thank you for sharing this with us, Anas! We've passed your feedback on to the team. ^SK
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

Great experience

The people I’ve dealt with have been both very helpful and friendly. I had some different circumstances to deal with regarding the funding but they were patient and helped get it done in a timely manner. I recommend to anyone seeking to refinance their vehicle. Thank you!

Hi Tom, we love hearing this! Thank you for sharing your experience – we’ve passed it along to our team. ^SK
  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Refinance
  • Review Type:

    Lender Review

Too many steps, too much time and effort, just plain horrible.......

So my complaint is a little different than most here. My loan funded. No complaints about that. No complaints about the rate but now in hindsight I wished I paid 1/10% more and went with a local bank (more on that later). One thing everyone here needs to know is that you are passed on to several employees at Clearlane as you move through the process and then you are moved on to a bank that Clearlane works with. If 1 or more in this group don't do what they are supposed to do and/or complete in a timely fashion, then this will negatively impact you and completely ruin the experience - as in my case. No one told me on what to expect in the process, timeline expectations, etc. That would have helped a lot. I have only learned of this as I went along. After you apply, you are first given a loan consultant. That involves some paperwork and questions, but nothing out of the ordinary. Once you are approved you are then moved to a funder. You are still at clearlane Then after your loan funds, the payment is made by the bank (who clearlane refers you to) to the lien holder (to whoever you owe on your original loan) and then you may need to get new plates, registration etc with your state motor vehicle. That it is how it is supposed to work. While there was urgency to get things submitted with the loan consultant, things grinded to a slow go thereafter. I had a loan payment to make on my original loan looming and had to make it because my loan was not yet funded. There was time, in my opinion to get this done, but because my loan didn't fund in time, I had to make that payment. And then once my loan funded, no one told me that the bank made the payoff payment to the lien holder. Who was supposed to tell me, Clearlane or the bank? I had to find that out on my own by calling (more on that later). that was almost 2 months ago and today I am still without motor vehicle registration and plates. So I am obligated to pay the bank now for a car that I still don't have my registration and plates. Shouldn't someone at the bank or Clearlane be expecting a title from the lien holder as soon as a loan funds so the state motor vehicle/title process can be started as soon as possible? And what happens if no one at Clearlane or the bank gets the title to start the process? What is easier - having a system in place to double check this or having an angry customer call repeatedly?? Why should a customer have to call repeatedly only to get people who may or may not respond, who may or may not care? I was not even aware Clearlane had a title dept until l had no registration or plates and finally got to someone. When I called about my problem and the customer service rep reached out to the Clearlane funder, the funder's response to the rep was "we have met our obligation to MR x." I can't make this up. No clearlane you didn't meet your obligation as I still have NO plates or registration. Finally I get to the title dept and now I am dealing with several people there and some don’t seem to want to respond or care about how long this has dragged out. I was just told that I am not going to have plates or registration for another month. By the time I get those (and hopefully that will occur), I will have made 3 payments to bank on my new loan. Yes 3 payments in and maybe I will have plates and registration. Bottom line, too many steps at clearlane, too little info on the process and expectations is provided, too many employees who don't care. Save yourself the hassle, go to your local bank. If you are not happy, you can walk in and ask for a manager. No one is going to turn you way. But I can't go to CA each time I have a problem with clearlane. I can call - which I did many of times, but how far has that gotten me??? Clearlane fooled me once, but never again!!!

Not what we like to hear, Dave! We're sorry to hear you had that experience and will share this with our team for further review. ^SK
  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Loan
  • Review Type:

    Lender Review
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Ally Clearlane

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