XML 88 R78.htm IDEA: XBRL DOCUMENT
v3.25.1

Finance Receivables and Loans, Net - Schedule of Financing Receivable Credit Quality Indicators Commercial (Details) - USD ($) $ in Millions | Mar. 31, 2025 | Dec. 31, 2024
--- | --- | ---
Financing Receivable, Credit Quality Indicator [Line Items] |  |
Total finance receivables and loans | $ 133,485 | $ 136,030
Commercial |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |
Year one, originated, current fiscal year | 749 | 2,197
Year two, originated, fiscal year before current fiscal year | 2,267 | 1,652
Year three, originated, two years before current fiscal year | 1,524 | 2,305
Year four, originated, three years before current fiscal year | 2,143 | 1,739
Year five, originated, four years before current fiscal year | 1,667 | 1,109
Originated, more than five years before current fiscal year | 2,593 | 1,555
Revolving loans | 21,533 | 22,032
Revolving loans converted to term | 178 | 156
Total finance receivables and loans | 32,654 | 32,745
Automotive | Commercial |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |
Year one, originated, current fiscal year | 49 | 525
Year two, originated, fiscal year before current fiscal year | 512 | 374
Year three, originated, two years before current fiscal year | 338 | 352
Year four, originated, three years before current fiscal year | 330 | 150
Year five, originated, four years before current fiscal year | 141 | 67
Originated, more than five years before current fiscal year | 109 | 53
Revolving loans | 15,460 | 16,738
Revolving loans converted to term | 0 | 0
Total finance receivables and loans | 16,939 | 18,259
Automotive | Pass | Commercial |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |
Year one, originated, current fiscal year | 49 | 522
Year two, originated, fiscal year before current fiscal year | 508 | 336
Year three, originated, two years before current fiscal year | 311 | 337
Year four, originated, three years before current fiscal year | 315 | 125
Year five, originated, four years before current fiscal year | 117 | 64
Originated, more than five years before current fiscal year | 104 | 52
Revolving loans | 13,818 | 15,005
Revolving loans converted to term | 0 | 0
Total finance receivables and loans | 15,222 | 16,441
Automotive | Special mention | Commercial |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |
Year one, originated, current fiscal year | 0 | 3
Year two, originated, fiscal year before current fiscal year | 4 | 38
Year three, originated, two years before current fiscal year | 26 | 15
Year four, originated, three years before current fiscal year | 13 | 25
Year five, originated, four years before current fiscal year | 21 | 3
Originated, more than five years before current fiscal year | 4 | 1
Revolving loans | 1,521 | 1,694
Revolving loans converted to term | 0 | 0
Total finance receivables and loans | 1,589 | 1,779
Automotive | Substandard | Commercial |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |
Year one, originated, current fiscal year | 0 | 0
Year two, originated, fiscal year before current fiscal year | 0 | 0
Year three, originated, two years before current fiscal year | 1 | 0
Year four, originated, three years before current fiscal year | 2 | 0
Year five, originated, four years before current fiscal year | 3 | 0
Originated, more than five years before current fiscal year | 1 | 0
Revolving loans | 116 | 33
Revolving loans converted to term | 0 | 0
Total finance receivables and loans | 123 | 33
Automotive | Doubtful | Commercial |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |
Year one, originated, current fiscal year | 0 | 0
Year two, originated, fiscal year before current fiscal year | 0 | 0
Year three, originated, two years before current fiscal year | 0 | 0
Year four, originated, three years before current fiscal year | 0 | 0
Year five, originated, four years before current fiscal year | 0 | 0
Originated, more than five years before current fiscal year | 0 | 0
Revolving loans | 5 | 6
Revolving loans converted to term | 0 | 0
Total finance receivables and loans | 5 | 6
Other | Commercial |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |
Year one, originated, current fiscal year | 128 | 707
Year two, originated, fiscal year before current fiscal year | 705 | 323
Year three, originated, two years before current fiscal year | 275 | 655
Year four, originated, three years before current fiscal year | 557 | 502
Year five, originated, four years before current fiscal year | 467 | 250
Originated, more than five years before current fiscal year | 648 | 361
Revolving loans | 6,073 | 5,294
Revolving loans converted to term | 131 | 120
Total finance receivables and loans | 8,984 | 8,212
Other | Pass | Commercial |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |
Year one, originated, current fiscal year | 128 | 707
Year two, originated, fiscal year before current fiscal year | 705 | 296
Year three, originated, two years before current fiscal year | 248 | 261
Year four, originated, three years before current fiscal year | 194 | 199
Year five, originated, four years before current fiscal year | 197 | 18
Originated, more than five years before current fiscal year | 239 | 205
Revolving loans | 5,793 | 5,047
Revolving loans converted to term | 107 | 84
Total finance receivables and loans | 7,611 | 6,817
Other | Special mention | Commercial |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |
Year one, originated, current fiscal year | 0 | 0
Year two, originated, fiscal year before current fiscal year | 0 | 0
Year three, originated, two years before current fiscal year | 0 | 394
Year four, originated, three years before current fiscal year | 363 | 280
Year five, originated, four years before current fiscal year | 248 | 186
Originated, more than five years before current fiscal year | 266 | 76
Revolving loans | 247 | 226
Revolving loans converted to term | 21 | 32
Total finance receivables and loans | 1,145 | 1,194
Other | Substandard | Commercial |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |
Year one, originated, current fiscal year | 0 | 0
Year two, originated, fiscal year before current fiscal year | 0 | 27
Year three, originated, two years before current fiscal year | 27 | 0
Year four, originated, three years before current fiscal year | 0 | 23
Year five, originated, four years before current fiscal year | 22 | 46
Originated, more than five years before current fiscal year | 117 | 54
Revolving loans | 24 | 12
Revolving loans converted to term | 3 | 4
Total finance receivables and loans | 193 | 166
Other | Doubtful | Commercial |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |
Year one, originated, current fiscal year | 0 | 0
Year two, originated, fiscal year before current fiscal year | 0 | 0
Year three, originated, two years before current fiscal year | 0 | 0
Year four, originated, three years before current fiscal year | 0 | 0
Year five, originated, four years before current fiscal year | 0 | 0
Originated, more than five years before current fiscal year | 26 | 26
Revolving loans | 9 | 9
Revolving loans converted to term | 0 | 0
Total finance receivables and loans | 35 | 35
Commercial real estate | Commercial |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |
Year one, originated, current fiscal year | 572 | 965
Year two, originated, fiscal year before current fiscal year | 1,050 | 955
Year three, originated, two years before current fiscal year | 911 | 1,298
Year four, originated, three years before current fiscal year | 1,256 | 1,087
Year five, originated, four years before current fiscal year | 1,059 | 792
Originated, more than five years before current fiscal year | 1,836 | 1,141
Revolving loans | 0 | 0
Revolving loans converted to term | 47 | 36
Total finance receivables and loans | 6,731 | 6,274
Commercial real estate | Pass | Commercial |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |
Year one, originated, current fiscal year | 572 | 959
Year two, originated, fiscal year before current fiscal year | 1,043 | 904
Year three, originated, two years before current fiscal year | 866 | 1,228
Year four, originated, three years before current fiscal year | 1,169 | 1,030
Year five, originated, four years before current fiscal year | 1,012 | 757
Originated, more than five years before current fiscal year | 1,797 | 1,137
Revolving loans | 0 | 0
Revolving loans converted to term | 47 | 36
Total finance receivables and loans | 6,506 | 6,051
Commercial real estate | Special mention | Commercial |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |
Year one, originated, current fiscal year | 0 | 6
Year two, originated, fiscal year before current fiscal year | 7 | 51
Year three, originated, two years before current fiscal year | 39 | 69
Year four, originated, three years before current fiscal year | 78 | 57
Year five, originated, four years before current fiscal year | 42 | 35
Originated, more than five years before current fiscal year | 38 | 3
Revolving loans | 0 | 0
Revolving loans converted to term | 0 | 0
Total finance receivables and loans | 204 | 221
Commercial real estate | Substandard | Commercial |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |
Year one, originated, current fiscal year | 0 |
Year two, originated, fiscal year before current fiscal year | 0 |
Year three, originated, two years before current fiscal year | 6 |
Year four, originated, three years before current fiscal year | 8 |
Year five, originated, four years before current fiscal year | 5 |
Originated, more than five years before current fiscal year | 0 |
Revolving loans | 0 |
Revolving loans converted to term | 0 |
Total finance receivables and loans | 19 |
Commercial real estate | Doubtful | Commercial |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |
Year one, originated, current fiscal year | 0 | 0
Year two, originated, fiscal year before current fiscal year | 0 | 0
Year three, originated, two years before current fiscal year | 0 | 1
Year four, originated, three years before current fiscal year | 1 | 0
Year five, originated, four years before current fiscal year | 0 | 0
Originated, more than five years before current fiscal year | 1 | 1
Revolving loans | 0 | 0
Revolving loans converted to term | 0 | 0
Total finance receivables and loans | $ 2 | $ 2

X
- Definition Amortized cost excluding accrued interest, before allowance for credit loss, of financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 3B -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest, of financing receivable originated more than five years prior to current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 3B -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest, of financing receivable that can be withdrawn, repaid, and redrawn. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 3B -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestRevolving
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest, of revolving financing receivable converted to term loan. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6A -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6A Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 3B -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest, of financing receivable originated four years prior to current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 3B -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest, of financing receivable originated three years prior to current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 3B -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest, of financing receivable originated in current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 3B -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest, of financing receivable originated two years prior to current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 3B -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Amortized cost excluding accrued interest of financing receivable originated in fiscal year prior to current fiscal year. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 3B -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-3B + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 29 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-29 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 55 -Paragraph 79 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479294/326-20-55-79 + Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentLineItems
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_AutomobileLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=ally_OtherLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |