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Finance Receivables and Loans, Net (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable | The composition of finance receivables and loans reported at amortized cost basis was as follows.
($ in millions) |  | September 30, 2025 |  | December 31, 2024
Consumer automotive (a) |  | $ | 84,994 |  |  | $ | 83,757 |
Consumer mortgage (b) |  | 16,253 |  |  | 17,234 |
Consumer other (c) |  | — |  |  | 2,294 |
Total consumer |  | 101,247 |  |  | 103,285 |
Commercial |  |  |  |
Commercial and industrial |  |  |  |
Automotive |  | 17,137 |  |  | 18,259 |
Other (d) |  | 9,169 |  |  | 8,212 |
Commercial real estate |  | 7,014 |  |  | 6,274 |
Total commercial |  | 33,320 |  |  | 32,745 |
Total finance receivables and loans (e) (f) |  | $ | 134,567 |  |  | $ | 136,030 |
(a)Certain finance receivables and loans are included in fair value hedging relationships. Refer to Note 19 for additional information. (b)Includes loans originated as interest-only mortgage loans of $5 million and $12 million at September 30, 2025, and December 31, 2024, respectively, of which all have exited the interest-only period. (c)Consists of credit card finance receivables and loans. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information. Billed interest on our credit card loans was included within finance receivables and loans, net as of December 31, 2024. (d)Includes $26 million of PCD loans that were acquired for $2 million of cash considerations during the three months ended September 30, 2025, which have experienced a more-than-insignificant deterioration of credit quality since origination. We recognized an initial allowance for loan losses of $24 million on these PCD loans. (e)Totals include net unearned income, unamortized premiums and discounts, and deferred fees and costs of $2.4 billion and $2.3 billion at September 30, 2025, and December 31, 2024, respectively. (f)Totals do not include accrued interest receivable, which was $761 million and $839 million at September 30, 2025, and December 31, 2024, respectively. Accrued interest receivable is included in other assets on our Condensed Consolidated Balance Sheet.
Schedule of Allowance for Credit Losses on Financing Receivables | The following tables present an analysis of the activity in the allowance for loan losses on finance receivables and loans for the three months and nine months ended September 30, 2025, and 2024, respectively.
Three months ended September 30, 2025 ($ in millions) |  | Consumer automotive |  | Consumer mortgage |  |  |  | Commercial |  | Total
Allowance at July 1, 2025 |  | $ | 3,166 |  |  | $ | 17 |  |  |  |  | $ | 233 |  |  | $ | 3,416 |
Charge-offs (a) |  | (662) |  |  | — |  |  |  |  | — |  |  | (662) |
Recoveries |  | 263 |  |  | 3 |  |  |  |  | 1 |  |  | 267 |
Net charge-offs |  | (399) |  |  | 3 |  |  |  |  | 1 |  |  | (395) |
Provision for credit losses |  | 419 |  |  | (3) |  |  |  |  | (1) |  |  | 415 |
Other (b) |  | — |  |  | — |  |  |  |  | 24 |  |  | 24 |
Allowance at September 30, 2025 |  | $ | 3,186 |  |  | $ | 17 |  |  |  |  | $ | 257 |  |  | $ | 3,460 |
(a)Refer to Note 1 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K for information regarding our charge-off policies. (b)Commercial includes $24 million of allowance for loan losses recognized on PCD loans acquired during the three months ended September 30, 2025.
Nine months ended September 30, 2025 ($ in millions) |  | Consumer automotive |  | Consumer mortgage |  | Consumer other (a) |  | Commercial |  | Total
Allowance at January 1, 2025 |  | $ | 3,170 |  |  | $ | 19 |  |  | $ | 319 |  |  | $ | 206 |  |  | $ | 3,714 |
Charge-offs (b) |  | (1,937) |  |  | (2) |  |  | (68) |  |  | (2) |  |  | (2,009) |
Recoveries |  | 727 |  |  | 6 |  |  | 5 |  |  | 3 |  |  | 741 |
Net charge-offs |  | (1,210) |  |  | 4 |  |  | (63) |  |  | 1 |  |  | (1,268) |
Provision for credit losses |  | 1,226 |  |  | (4) |  |  | (257) |  |  | 25 |  |  | 990 |
Other (c) |  | — |  |  | (2) |  |  | 1 |  |  | 25 |  |  | 24 |
Allowance at September 30, 2025 |  | $ | 3,186 |  |  | $ | 17 |  |  | $ | — |  |  | $ | 257 |  |  | $ | 3,460 |
(a)Consists of Credit Card. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information. (b)Refer to Note 1 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K for information regarding our charge-off policies. (c)Commercial includes $24 million of allowance for loan losses recognized on PCD loans acquired during the nine months ended September 30, 2025.
Three months ended September 30, 2024 ($ in millions) |  | Consumer automotive |  | Consumer mortgage |  | Consumer other (a) |  | Commercial |  | Total
Allowance at July 1, 2024 |  | $ | 3,055 |  |  | $ | 19 |  |  | $ | 302 |  |  | $ | 196 |  |  | $ | 3,572 |
Charge-offs (b) |  | (683) |  |  | — |  |  | (61) |  |  | — |  |  | (744) |
Recoveries |  | 216 |  |  | 1 |  |  | 9 |  |  | 1 |  |  | 227 |
Net charge-offs |  | (467) |  |  | 1 |  |  | (52) |  |  | 1 |  |  | (517) |
Provision for credit losses |  | 578 |  |  | (3) |  |  | 58 |  |  | 12 |  |  | 645 |
Other |  | — |  |  | 2 |  |  | (1) |  |  | (1) |  |  | — |
Allowance at September 30, 2024 |  | $ | 3,166 |  |  | $ | 19 |  |  | $ | 307 |  |  | $ | 208 |  |  | $ | 3,700 |
(a)Consists of Credit Card. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information. (b)Refer to Note 1 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K for information regarding our charge-off policies.
Nine months ended September 30, 2024 ($ in millions) |  | Consumer automotive |  | Consumer mortgage |  | Consumer other (a) |  | Commercial |  | Total
Allowance at January 1, 2024 |  | $ | 3,083 |  |  | $ | 21 |  |  | $ | 293 |  |  | $ | 190 |  |  | $ | 3,587 |
Charge-offs (b) |  | (1,976) |  |  | (1) |  |  | (199) |  |  | (2) |  |  | (2,178) |
Recoveries |  | 654 |  |  | 3 |  |  | 23 |  |  | 7 |  |  | 687 |
Net charge-offs |  | (1,322) |  |  | 2 |  |  | (176) |  |  | 5 |  |  | (1,491) |
Write-downs from transfers to held-for-sale (c) |  | (5) |  |  | — |  |  | — |  |  | — |  |  | (5) |
Provision for credit losses |  | 1,410 |  |  | (6) |  |  | 191 |  |  | 14 |  |  | 1,609 |
Other |  | — |  |  | 2 |  |  | (1) |  |  | (1) |  |  | — |
Allowance at September 30, 2024 |  | $ | 3,166 |  |  | $ | 19 |  |  | $ | 307 |  |  | $ | 208 |  |  | $ | 3,700 |
(a)Consists of Credit Card. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information. (b)Refer to Note 1 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K for information regarding our charge-off policies. (c)Consumer automotive includes a $5 million reduction of allowance from the completion of a retail securitization transaction during the nine months ended September 30, 2024, resulting in the deconsolidation of the assets and liabilities from our Condensed Consolidated Balance Sheet.
Schedule of Sales of Financing Receivables and Loans | The following table presents sales of finance receivables and loans and transfers of finance receivables and loans from held-for-investment to held-for-sale based on net carrying value.
|  | Three months ended September 30, |  | Nine months ended September 30,
($ in millions) |  | 2025 |  | 2024 |  | 2025 |  | 2024
Consumer automotive |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,108 |
Consumer mortgage |  | 8 |  |  | 208 |  |  | 58 |  |  | 325 |
Consumer other (a) |  | — |  |  | — |  | 2,248 |  |  | —
Commercial |  | 5 |  |  | 131 |  |  | 98 |  |  | 296 |
Total sales and transfers |  | $ | 13 |  |  | $ | 339 |  |  | $ | 2,404 |  |  | $ | 1,729 |
(a)Consists of credit card finance receivables and loans. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information.
Schedule of Purchases of Financing Receivables and Loans | The following table presents purchases of finance receivables and loans based on unpaid principal balance at the time of purchase.
|  | Three months ended September 30, |  | Nine months ended September 30,
($ in millions) |  | 2025 |  | 2024 |  | 2025 |  | 2024
Consumer automotive |  | $ | 1,258 |  |  | $ | 802 |  |  | $ | 3,242 |  |  | $ | 2,377 |
Consumer mortgage |  | — |  |  | 7 |  |  | 8 |  |  | 15
Commercial |  | 26 |  |  | — |  |  | 26 |  |  | — |
Total purchases of finance receivables and loans |  | $ | 1,284 |  |  | $ | 809 |  |  | $ | 3,276 |  |  | $ | 2,392 |
Schedule of Financing Receivables, Nonaccrual Status | The following tables present the amortized cost of our finance receivables and loans on nonaccrual status. All consumer or commercial finance receivables and loans that were 90 days or more past due were on nonaccrual status as of September 30, 2025, and December 31, 2024. We recorded interest income from cash payments associated with finance receivables and loans on nonaccrual status of $4 million and $11 million for the three months and nine months ended September 30, 2025, respectively, and $4 million and $14 million for the three months and nine months ended September 30, 2024. Refer to Note 1 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K for additional information on our accounting policy for finance receivables and loans on nonaccrual status.
|  |  |  |  |  | September 30, 2025
($ in millions) |  | Nonaccrual status at Jan. 1, 2025 |  | Nonaccrual status at Jul. 1, 2025 |  | Nonaccrual status |  | Nonaccrual with no allowance (a)
Consumer automotive |  | $ | 1,231 |  |  | $ | 1,134 |  |  | $ | 1,140 |  |  | $ | 426 |
Consumer mortgage |  | 54 |  |  | 69 |  |  | 70 |  |  | 53 |
Consumer other (b) |  | 90 |  |  | — |  |  | — |  |  | — |
Total consumer |  | 1,375 |  |  | 1,203 |  |  | 1,210 |  |  | 479 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |
Automotive |  | 15 |  |  | 38 |  |  | 9 |  |  | 9 |
Other (c) |  | 94 |  |  | 98 |  |  | 124 |  |  | 4 |
Commercial real estate |  | 2 |  |  | 20 |  |  | 10 |  |  | 8 |
Total commercial |  | 111 |  |  | 156 |  |  | 143 |  |  | 21 |
Total finance receivables and loans |  | $ | 1,486 |  |  | $ | 1,359 |  |  | $ | 1,353 |  |  | $ | 500 |
(a)Represents a component of nonaccrual status at end of period. (b)Consists of credit card finance receivables and loans. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information. (c)Includes PCD loans acquired during the three months ended September 30, 2025.
|  |  |  |  |  | December 31, 2024
($ in millions) |  | Nonaccrual status at Jan. 1, 2024 |  | Nonaccrual status at Jul. 1, 2024 |  | Nonaccrual status |  | Nonaccrual with no allowance (a)
Consumer automotive |  | $ | 1,129 |  |  | $ | 978 |  |  | $ | 1,231 |  |  | $ | 476 |
Consumer mortgage |  | 54 |  |  | 41 |  |  | 54 |  |  | 36 |
Consumer other (b) |  | 92 |  |  | 80 |  |  | 90 |  |  | — |
Total consumer |  | 1,275 |  |  | 1,099 |  |  | 1,375 |  |  | 512 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |
Automotive |  | 18 |  |  | 18 |  |  | 15 |  |  | — |
Other |  | 98 |  |  | 96 |  |  | 94 |  |  | 4 |
Commercial real estate |  | 3 |  |  | 2 |  |  | 2 |  |  | 2 |
Total commercial |  | 119 |  |  | 116 |  |  | 111 |  |  | 6 |
Total finance receivables and loans |  | $ | 1,394 |  |  | $ | 1,215 |  |  | $ | 1,486 |  |  | $ | 518 |
(a)Represents a component of nonaccrual status at end of period. (b)Consists of credit card finance receivables and loans. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information.
Schedule of Financing Receivable Credit Quality Indicators | The following tables present the amortized cost basis of our consumer finance receivables and loans by credit quality indicator based on delinquency status and origination year.
| Origination year |  | Revolving loans converted to term |
September 30, 2025 ($ in millions) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 and prior | Revolving loans | Total
Consumer automotive |  |  |  |  |  |  |  |  |
Current | $ | 26,219 |  | $ | 22,326 |  | $ | 14,493 |  | $ | 10,345 |  | $ | 5,166 |  | $ | 2,281 |  | $ | — |  | $ | — |  | $ | 80,830 |
30–59 days past due | 284 |  | 578 |  | 633 |  | 615 |  | 366 |  | 162 |  | — |  | — |  | 2,638 |
60–89 days past due | 78 |  | 232 |  | 283 |  | 287 |  | 156 |  | 68 |  | — |  | — |  | 1,104 |
90 or more days past due | 30 |  | 89 |  | 104 |  | 106 |  | 62 |  | 33 |  | — |  | — |  | 424 |
Total consumer automotive (a) | 26,611 |  | 23,225 |  | 15,513 |  | 11,353 |  | 5,750 |  | 2,544 |  | — |  | — |  | 84,996 |
Consumer mortgage |  |  |  |  |  |  |  |  |
Current | — |  | 18 |  | 31 |  | 1,791 |  | 9,376 |  | 4,803 |  | 97 |  | 10 |  | 16,126 |
30–59 days past due | — |  | — |  | — |  | 9 |  | 26 |  | 24 |  | 1 |  | — |  | 60 |
60–89 days past due | — |  | — |  | — |  | 5 |  | 2 |  | 5 |  | — |  | — |  | 12 |
90 or more days past due | — |  | — |  | — |  | 6 |  | 17 |  | 29 |  | 1 |  | 2 |  | 55 |
Total consumer mortgage | — |  | 18 |  | 31 |  | 1,811 |  | 9,421 |  | 4,861 |  | 99 |  | 12 |  | 16,253 |
Total consumer | $ | 26,611 |  | $ | 23,243 |  | $ | 15,544 |  | $ | 13,164 |  | $ | 15,171 |  | $ | 7,405 |  | $ | 99 |  | $ | 12 |  | $ | 101,249 |
(a)Certain consumer automotive loans are included in fair value hedging relationships. The amortized cost excludes a liability of $2 million related to basis adjustments for loans in closed portfolios with active hedges under the portfolio layer method at September 30, 2025. These basis adjustments would be allocated to the amortized cost of specific loans within the pool if the hedge was dedesignated. Refer to Note 19 for additional information.
| Origination year |  | Revolving loans converted to term |
December 31, 2024 ($ in millions) | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 and prior | Revolving loans | Total
Consumer automotive |  |  |  |  |  |  |  |  |
Current | $ | 30,322 |  | $ | 20,387 |  | $ | 15,234 |  | $ | 8,368 |  | $ | 3,064 |  | $ | 1,849 |  | $ | — |  | $ | — |  | $ | 79,224 |
30–59 days past due | 419 |  | 756 |  | 841 |  | 546 |  | 174 |  | 141 |  | — |  | — |  | 2,877 |
60–89 days past due | 131 |  | 338 |  | 390 |  | 240 |  | 75 |  | 56 |  | — |  | — |  | 1,230 |
90 or more days past due | 47 |  | 123 |  | 142 |  | 93 |  | 31 |  | 31 |  | — |  | — |  | 467 |
Total consumer automotive (a) | 30,919 |  | 21,604 |  | 16,607 |  | 9,247 |  | 3,344 |  | 2,077 |  | — |  | — |  | 83,798 |
Consumer mortgage |  |  |  |  |  |  |  |  |
Current | 13 |  | 31 |  | 1,901 |  | 9,834 |  | 1,714 |  | 3,503 |  | 115 |  | 15 |  | 17,126 |
30–59 days past due | — |  | — |  | 7 |  | 9 |  | 5 |  | 27 |  | — |  | — |  | 48 |
60–89 days past due | — |  | — |  | 4 |  | 4 |  | 1 |  | 4 |  | — |  | — |  | 13 |
90 or more days past due | — |  | 2 |  | 2 |  | 9 |  | 1 |  | 30 |  | 1 |  | 2 |  | 47 |
Total consumer mortgage | 13 |  | 33 |  | 1,914 |  | 9,856 |  | 1,721 |  | 3,564 |  | 116 |  | 17 |  | 17,234 |
Consumer other |  |  |  |  |  |  |  |  |
Current | — |  | — |  | — |  | — |  | — |  | — |  | 2,140 |  | — |  | 2,140 |
30–59 days past due | — |  | — |  | — |  | — |  | — |  | — |  | 35 |  | — |  | 35 |
60–89 days past due | — |  | — |  | — |  | — |  | — |  | — |  | 33 |  | — |  | 33 |
90 or more days past due | — |  | — |  | — |  | — |  | — |  | — |  | 86 |  | — |  | 86 |
Total consumer other (b) | — |  | — |  | — |  | — |  | — |  | — |  | 2,294 |  | — |  | 2,294 |
Total consumer | $ | 30,932 |  | $ | 21,637 |  | $ | 18,521 |  | $ | 19,103 |  | $ | 5,065 |  | $ | 5,641 |  | $ | 2,410 |  | $ | 17 |  | $ | 103,326 |
(a)Certain consumer automotive loans are included in fair value hedging relationships. The amortized cost excludes a liability of $41 million related to basis adjustments for loans in closed portfolios with active hedges under the portfolio layer method at December 31, 2024. These basis adjustments would be allocated to the amortized cost of specific loans within the pool if the hedge was dedesignated. Refer to Note 19 for additional information. (b)Consists of credit card finance receivables and loans. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information. The following tables present the amortized cost basis of our commercial finance receivables and loans by credit quality indicator based on risk rating and origination year.
| Origination year |  | Revolving loans converted to term |
September 30, 2025 ($ in millions) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 and prior | Revolving loans | Total
Commercial |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |
Automotive |  |  |  |  |  |  |  |  |
Pass | $ | 269 |  | $ | 437 |  | $ | 266 |  | $ | 281 |  | $ | 103 |  | $ | 81 |  | $ | 14,303 |  | $ | — |  | $ | 15,740 |
Special mention | 2 |  | 2 |  | 23 |  | 12 |  | 19 |  | 3 |  | 1,290 |  | — |  | 1,351 |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | 46 |  | — |  | 46 |
Total automotive | 271 |  | 439 |  | 289 |  | 293 |  | 122 |  | 84 |  | 15,639 |  | — |  | 17,137 |
Other |  |  |  |  |  |  |  |  |
Pass | 561 |  | 636 |  | 173 |  | 315 |  | 216 |  | 332 |  | 5,711 |  | 128 |  | 8,072 |
Special mention | — |  | 31 |  | — |  | 232 |  | 160 |  | 97 |  | 308 |  | 22 |  | 850 |
Substandard | — |  | — |  | — |  | — |  | 20 |  | 62 |  | 42 |  | — |  | 124 |
Doubtful | — |  | — |  | — |  | — |  | — |  | 107 |  | 16 |  | — |  | 123 |
Total other | 561 |  | 667 |  | 173 |  | 547 |  | 396 |  | 598 |  | 6,077 |  | 150 |  | 9,169 |
Commercial real estate |  |  |  |  |  |  |  |  |
Pass | 1,198 |  | 1,076 |  | 804 |  | 1,051 |  | 963 |  | 1,576 |  | 11 |  | 58 |  | 6,737 |
Special mention | 3 |  | 42 |  | 45 |  | 94 |  | 46 |  | 37 |  | — |  | — |  | 267 |
Substandard | — |  | — |  | 2 |  | 5 |  | — |  | — |  | — |  | — |  | 7 |
Doubtful | — |  | — |  | 2 |  | 1 |  | — |  | — |  | — |  | — |  | 3 |
Total commercial real estate | 1,201 |  | 1,118 |  | 853 |  | 1,151 |  | 1,009 |  | 1,613 |  | 11 |  | 58 |  | 7,014 |
Total commercial | $ | 2,033 |  | $ | 2,224 |  | $ | 1,315 |  | $ | 1,991 |  | $ | 1,527 |  | $ | 2,295 |  | $ | 21,727 |  | $ | 208 |  | $ | 33,320 |
| Origination year |  | Revolving loans converted to term |
December 31, 2024 ($ in millions) | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 and prior | Revolving loans | Total
Commercial |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |
Automotive |  |  |  |  |  |  |  |  |
Pass | $ | 522 |  | $ | 336 |  | $ | 337 |  | $ | 125 |  | $ | 64 |  | $ | 52 |  | $ | 15,005 |  | $ | — |  | $ | 16,441 |
Special mention | 3 |  | 38 |  | 15 |  | 25 |  | 3 |  | 1 |  | 1,694 |  | — |  | 1,779 |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | 33 |  | — |  | 33 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | 6 |  | — |  | 6 |
Total automotive | 525 |  | 374 |  | 352 |  | 150 |  | 67 |  | 53 |  | 16,738 |  | — |  | 18,259 |
Other |  |  |  |  |  |  |  |  |
Pass | 707 |  | 296 |  | 261 |  | 199 |  | 18 |  | 205 |  | 5,047 |  | 84 |  | 6,817 |
Special mention | — |  | — |  | 394 |  | 280 |  | 186 |  | 76 |  | 226 |  | 32 |  | 1,194 |
Substandard | — |  | 27 |  | — |  | 23 |  | 46 |  | 54 |  | 12 |  | 4 |  | 166 |
Doubtful | — |  | — |  | — |  | — |  | — |  | 26 |  | 9 |  | — |  | 35 |
Total other | 707 |  | 323 |  | 655 |  | 502 |  | 250 |  | 361 |  | 5,294 |  | 120 |  | 8,212 |
Commercial real estate |  |  |  |  |  |  |  |  |
Pass | 959 |  | 904 |  | 1,228 |  | 1,030 |  | 757 |  | 1,137 |  | — |  | 36 |  | 6,051 |
Special mention | 6 |  | 51 |  | 69 |  | 57 |  | 35 |  | 3 |  | — |  | — |  | 221 |
Doubtful | — |  | — |  | 1 |  | — |  | — |  | 1 |  | — |  | — |  | 2 |
Total commercial real estate | 965 |  | 955 |  | 1,298 |  | 1,087 |  | 792 |  | 1,141 |  | — |  | 36 |  | 6,274 |
Total commercial | $ | 2,197 |  | $ | 1,652 |  | $ | 2,305 |  | $ | 1,739 |  | $ | 1,109 |  | $ | 1,555 |  | $ | 22,032 |  | $ | 156 |  | $ | 32,745 |
The following tables present gross charge-offs of our finance receivables and loans for each portfolio class by origination year during the nine months ended September 30, 2025, and during the year ended December 31, 2024, respectively. Refer to Note 1 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K for additional information on our charge-off policy.
| Origination year |  | Revolving loans converted to term |
September 30, 2025 ($ in millions) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 and prior | Revolving loans | Total
Consumer automotive | $ | 65 |  | $ | 405 |  | $ | 574 |  | $ | 517 |  | $ | 252 |  | $ | 124 |  | $ | — |  | $ | — |  | $ | 1,937 |
Consumer mortgage | — |  | — |  | — |  | 1 |  | 1 |  | — |  | — |  | — |  | 2 |
Consumer other (a) | — |  | — |  | — |  | — |  | — |  | — |  | 64 |  | 4 |  | 68 |
Total consumer | 65 |  | 405 |  | 574 |  | 518 |  | 253 |  | 124 |  | 64 |  | 4 |  | 2,007 |
Commercial |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |
Automotive | — |  | — |  | — |  | — |  | 1 |  | — |  | 1 |  | — |  | 2 |
Total commercial | — |  | — |  | — |  | — |  | 1 |  | — |  | 1 |  | — |  | 2 |
Total finance receivables and loans | $ | 65 |  | $ | 405 |  | $ | 574 |  | $ | 518 |  | $ | 254 |  | $ | 124 |  | $ | 65 |  | $ | 4 |  | $ | 2,009 |
(a)Consists of Credit Card. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information.
| Origination year |  | Revolving loans converted to term |
December 31, 2024 ($ in millions) | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 and prior | Revolving loans | Total
Consumer automotive (a) | $ | 160 |  | $ | 779 |  | $ | 943 |  | $ | 510 |  | $ | 137 |  | $ | 152 |  | $ | — |  | $ | — |  | $ | 2,681 |
Consumer mortgage | — |  | — |  | — |  | 1 |  | — |  | 1 |  | — |  | — |  | 2 |
Consumer other (b) | — |  | — |  | — |  | — |  | — |  | — |  | 246 |  | 16 |  | 262 |
Total consumer | 160 |  | 779 |  | 943 |  | 511 |  | 137 |  | 153 |  | 246 |  | 16 |  | 2,945 |
Commercial |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |
Automotive | — |  | — |  | — |  | — |  | — |  | 1 |  | 2 |  | — |  | 3 |
Total commercial | — |  | — |  | — |  | — |  | — |  | 1 |  | 2 |  | — |  | 3 |
Total finance receivables and loans | $ | 160 |  | $ | 779 |  | $ | 943 |  | $ | 511 |  | $ | 137 |  | $ | 154 |  | $ | 248 |  | $ | 16 |  | $ | 2,948 |
(a)Excludes $5 million of write-downs from transfers to held-for-sale from the completion of a retail securitization transaction during the year ended December 31, 2024, resulting in the deconsolidation of the assets and liabilities from our Condensed Consolidated Balance Sheet. (b)Consists of Credit Card. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information.
Schedule of Past Due Financing Receivables | The following table presents an analysis of our past-due commercial finance receivables and loans recorded at amortized cost basis.
($ in millions) |  | 30–59 days past due |  | 60–89 days past due |  | 90 days or more past due |  | Total past due |  | Current |  | Total finance receivables and loans
September 30, 2025 |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |
Automotive |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 17,137 |  |  | $ | 17,137 |
Other |  | 3 |  |  | — |  |  | 67 |  |  | 70 |  |  | 9,099 |  |  | 9,169 |
Commercial real estate |  | — |  |  | — |  |  | 1 |  |  | 1 |  |  | 7,013 |  |  | 7,014 |
Total commercial |  | $ | 3 |  |  | $ | — |  |  | $ | 68 |  |  | $ | 71 |  |  | $ | 33,249 |  |  | $ | 33,320 |
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |
Automotive |  | $ | 5 |  |  | $ | — |  |  | $ | — |  |  | $ | 5 |  |  | $ | 18,254 |  |  | $ | 18,259 |
Other |  | 35 |  |  | — |  |  | — |  |  | 35 |  |  | 8,177 |  |  | 8,212 |
Commercial real estate |  | 1 |  |  | — |  |  | 1 |  |  | 2 |  |  | 6,272 |  |  | 6,274 |
Total commercial |  | $ | 41 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 42 |  |  | $ | 32,703 |  |  | $ | 32,745 |
Schedule of Loan Modifications | The following tables present the amortized cost basis of loans that were modified subsequent to origination during the three months and nine months ended September 30, 2025, and 2024, respectively, for each portfolio segment, by modification type. For additional information on loan modification types in scope of this disclosure, refer to Note 1 to the Consolidated Financial Statements in our 2024 Annual Report on Form 10-K. The below tables exclude consumer mortgage finance receivables and loans currently enrolled in a trial modification program. Trial modifications generally represent a three-month period during which the borrower makes monthly payments under the anticipated modified payment terms. If the borrower successfully completes the trial loan modification program, the contractual terms of the loan are updated and the modification is considered permanent. As of September 30, 2025, and December 31, 2024, there were $8 million and $4 million of consumer mortgage finance receivables and loans in a trial modification program, respectively.
| Payment extensions |  |  |  |  |  |  |  |
Three months ended September 30, 2025 ($ in millions) | Payment deferrals |  | Contractual maturity extensions |  | Principal forgiveness |  | Interest rate concessions |  | Combination |  | Total
Consumer automotive | $ | — |  |  | $ | 237 |  |  | $ | 4 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 242 |
Consumer mortgage | 1 |  |  | 1 |  |  | — |  |  | 1 |  |  | — |  |  | 3 |
Total consumer | 1 |  |  | 238 |  |  | 4 |  |  | 1 |  |  | 1 |  |  | 245 |
Commercial |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |
Other | — |  |  | 19 |  |  | — |  |  | — |  |  | — |  |  | 19 |
Commercial real estate | 3 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3 |
Total commercial | 3 |  |  | 19 |  |  | — |  |  | — |  |  | — |  |  | 22 |
Total finance receivables and loans | $ | 4 |  |  | $ | 257 |  |  | $ | 4 |  |  | $ | 1 |  |  | $ | 1 |  |  | $ | 267 |
| Payment extensions |  |  |  |  |  |  |  |
Nine months ended September 30, 2025 ($ in millions) | Payment deferrals |  | Contractual maturity extensions |  | Principal forgiveness |  | Interest rate concessions |  | Combination |  | Total (a)
Consumer automotive | $ | — |  |  | $ | 450 |  |  | $ | 6 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 457 |
Consumer mortgage | 1 |  |  | 1 |  |  | — |  |  | 1 |  |  | 3 |  |  | 6 |
Total consumer | 1 |  |  | 451 |  |  | 6 |  |  | 1 |  |  | 4 |  |  | 463 |
Commercial |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |
Automotive | — |  |  | — |  |  | — |  |  | 9 |  |  | — |  |  | 9 |
Other | 3 |  |  | 76 |  |  | — |  |  | — |  |  | — |  |  | 79 |
Commercial real estate | 4 |  |  | — |  |  | — |  |  | 7 |  |  | — |  |  | 11 |
Total commercial | 7 |  |  | 76 |  |  | — |  |  | 16 |  |  | — |  |  | 99 |
Total finance receivables and loans | $ | 8 |  |  | $ | 527 |  |  | $ | 6 |  |  | $ | 17 |  |  | $ | 4 |  |  | $ | 562 |
(a)Represents 0.4% of total finance receivables and loans outstanding as of September 30, 2025.
| Payment extensions |  |  |  |  |  |  |  |
Three months ended September 30, 2024 ($ in millions) | Payment deferrals |  | Contractual maturity extensions |  | Principal forgiveness |  | Interest rate concessions |  | Combination |  | Total
Consumer automotive | $ | — |  |  | $ | 130 |  |  | $ | 2 |  |  | $ | — |  |  | $ | — |  |  | $ | 132 |
Consumer mortgage | — |  |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 1 |
Consumer other (a) | — |  |  | — |  |  | 1 |  |  | 6 |  |  | — |  |  | 7 |
Total consumer | — |  |  | 131 |  |  | 3 |  |  | 6 |  |  | — |  |  | 140 |
Commercial |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |
Automotive | — |  |  | — |  |  | — |  |  | 37 |  |  | — |  |  | 37 |
Other | — |  |  | 25 |  |  | — |  |  | — |  |  | 14 |  |  | 39 |
Commercial real estate | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 1 |
Total commercial | — |  |  | 25 |  |  | — |  |  | 37 |  |  | 15 |  |  | 77 |
Total finance receivables and loans | $ | — |  |  | $ | 156 |  |  | $ | 3 |  |  | $ | 43 |  |  | $ | 15 |  |  | $ | 217 |
(a)Consists of Credit Card. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information.
| Payment extensions |  |  |  |  |  |  |  |
Nine months ended September 30, 2024 ($ in millions) | Payment deferrals |  | Contractual maturity extensions |  | Principal forgiveness |  | Interest rate concessions |  | Combination |  | Total (a)
Consumer automotive | $ | — |  |  | $ | 305 |  |  | $ | 4 |  |  | $ | — |  |  | $ | — |  |  | $ | 309 |
Consumer mortgage | — |  |  | 2 |  |  | — |  |  | — |  |  | — |  |  | 2 |
Consumer other (b) | — |  |  | — |  |  | 1 |  |  | 13 |  |  | — |  |  | 14 |
Total consumer | — |  |  | 307 |  |  | 5 |  |  | 13 |  |  | — |  |  | 325 |
Commercial |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |
Automotive | 5 |  |  | — |  |  | — |  |  | 37 |  |  | — |  |  | 42 |
Other | — |  |  | 174 |  |  | — |  |  | — |  |  | 14 |  |  | 188 |
Commercial real estate | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 1 |
Total commercial | 5 |  |  | 174 |  |  | — |  |  | 37 |  |  | 15 |  |  | 231 |
Total finance receivables and loans | $ | 5 |  |  | $ | 481 |  |  | $ | 5 |  |  | $ | 50 |  |  | $ | 15 |  |  | $ | 556 |
(a)Represents 0.4% of total finance receivables and loans outstanding as of September 30, 2024. (b)Consists of Credit Card. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information. The following tables present the financial effect of loan modifications that occurred during the three months and nine months ended September 30, 2025, and 2024, respectively.
| Payment extensions (a) |  | Principal forgiveness |  | Interest rate concessions (a) |  | Combination (a) (b)
Three months ended September 30, 2025 ($ in millions) | Number of months extended/deferred |  | Amount forgiven |  | Initial rate |  | Revised rate |  | Remaining term |  | Revised remaining term |  | Initial rate |  | Revised rate
Consumer automotive | 36 |  | $ | 1 |  |  | — | % |  | — | % |  | 69 |  | 98 |  | 11.7 | % |  | 7.6 | %
Consumer mortgage | 213 |  | — |  |  | 2.9 |  |  | 2.6 |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other | 24 |  | $ | — |  |  | — | % |  | — | % |  | — |  |  | — |  |  | — | % |  | — | %
Commercial real estate | 6 |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial | 21 |  | $ | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
(a)Calculated using a weighted-average balance for each portfolio class. (b)Term is presented in number of months.
| Payment extensions (a) |  | Principal forgiveness |  | Interest rate concessions (a) |  | Combination (a) (b) (c)
Nine months ended September 30, 2025 ($ in millions) | Number of months extended/deferred |  | Amount forgiven |  | Initial rate |  | Revised rate |  | Remaining term |  | Revised remaining term |  | Initial rate |  | Revised rate
Consumer automotive | 33 |  | $ | 2 |  |  | — | % |  | — | % |  | 70 |  | 95 |  | 12.4 | % |  | 8.1 | %
Consumer mortgage | 215 |  | — |  |  | 2.9 |  |  | 2.6 |  |  | 284 |  | 408 |  | 4.1 |  |  | 2.3 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Automotive | — |  |  | $ | — |  |  | 12.5 | % |  | 7.9 | % |  | — |  |  | — |  |  | — | % |  | — | %
Other | 17 |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | 6 |  | — |  |  | 10.9 |  |  | 5.9 |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial | 16 |  | $ | — |  |  | 11.8 |  |  | 7.0 |  |  | — |  |  | — |  |  | — |  |  | — |
(a)Calculated using a weighted-average balance for each portfolio class. (b)Term is presented in number of months. (c)Some consumer mortgage combination loan modifications include deferrals of principal. The weighted average number of months deferred for these loans was 134 months.
| Payment extensions (a) |  | Principal forgiveness |  | Interest rate concessions (a) |  | Combination (a) (b)
Three months ended September 30, 2024 ($ in millions) | Number of months extended/deferred |  | Amount forgiven |  | Initial rate |  | Revised rate |  | Remaining term |  | Revised remaining term |  | Initial rate |  | Revised rate
Consumer automotive | 30 |  | $ | 1 |  |  | — | % |  | — | % |  | — |  |  | — |  |  | — | % |  | — | %
Consumer mortgage | 126 |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer other (c) | — |  |  | 1 |  |  | 30.4 |  |  | 10.4 |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Automotive | — |  |  | $ | — |  |  | 11.0 | % |  | 7.9 | % |  | — |  | — |  | — | % |  | — | %
Other | 15 |  | — |  |  | — |  |  | — |  |  | 4 |  | 60 |  | 5.5 |  |  | 4.3 |
Commercial real estate | — |  |  | — |  |  | — |  |  | — |  |  | 84 |  | 90 |  | 11.0 |  |  | 6.0 |
Total commercial | 15 |  | $ | — |  |  | 11.0 |  |  | 7.9 |  |  | 7 |  | 61 |  | 5.7 |  |  | 4.3 |
(a)Calculated using a weighted-average balance for each portfolio class. (b)Term is presented in number of months. (c)Consists of Credit Card. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information.
| Payment extensions (a) |  | Principal forgiveness |  | Interest rate concessions (a) |  | Combination (a) (b)
Nine months ended September 30, 2024 ($ in millions) | Number of months extended/deferred |  | Amount forgiven |  | Initial rate |  | Revised rate |  | Remaining term |  | Revised remaining term |  | Initial rate |  | Revised rate
Consumer automotive | 29 |  | $ | 1 |  |  | — | % |  | — | % |  | — |  |  | — |  |  | — | % |  | — | %
Consumer mortgage | 176 |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer other (c) | — |  | 1 |  |  | 30.4 |  |  | 7.9 |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Automotive | 10 |  | $ | — |  |  | 11.0 | % |  | 7.9 | % |  | — |  | — |  | — | % |  | — | %
Other | 37 |  | — |  |  | — |  |  | — |  |  | 4 |  | 60 |  | 5.5 |  |  | 4.3 |
Commercial real estate | — |  |  | — |  |  | — |  |  | — |  |  | 84 |  | 90 |  | 11.0 |  |  | 6.0 |
Total commercial | 36 |  | $ | — |  |  | 11.0 |  |  | 7.9 |  |  | 7 |  | 61 |  | 5.7 |  |  | 4.3 |
(a)Calculated using a weighted-average balance for each portfolio class. (b)Term is presented in number of months. (c)Consists of Credit Card. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information. The following tables present the subsequent performance of loans recorded at amortized cost, by portfolio segment and credit quality indicator, that were modified within the 12 months prior to September 30, 2025, and 2024, respectively.
September 30, 2025 ($ in millions) |  | Current |  | 30–59 days past due |  | 60–89 days past due |  | 90 or more days past due |  | Total
Consumer automotive |  |  |  |  |  |  |  |  |  |
Contractual maturity extensions |  | $ | 459 |  |  | $ | 72 |  |  | $ | 20 |  |  | $ | 7 |  |  | $ | 558 |
Principal forgiveness |  | 1 |  |  | — |  |  | 1 |  |  | 6 |  |  | 8 |
Combination |  | 2 |  |  | — |  |  | — |  |  | — |  |  | 2 |
Total consumer automotive |  | 462 |  |  | 72 |  |  | 21 |  |  | 13 |  |  | 568 |
Consumer mortgage |  |  |  |  |  |  |  |  |  |
Payment deferrals |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 1 |
Contractual maturity extensions |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 1 |
Interest rate concessions |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 1 |
Combination |  | 2 |  |  | — |  |  | — |  |  | 1 |  |  | 3 |
Total consumer mortgage |  | 4 |  |  | 1 |  |  | — |  |  | 1 |  |  | 6 |
Total consumer |  | $ | 466 |  |  | $ | 73 |  |  | $ | 21 |  |  | $ | 14 |  |  | $ | 574 |
September 30, 2025 ($ in millions) |  | Pass |  | Special mention |  | Substandard |  | Doubtful |  | Total
Commercial and industrial |  |  |  |  |  |  |  |  |  |
Automotive |  |  |  |  |  |  |  |  |  |
Interest rate concessions |  | $ | — |  |  | $ | — |  |  | $ | 9 |  |  | $ | — |  |  | $ | 9 |
Total automotive |  | — |  |  | — |  |  | 9 |  |  | — |  |  | 9 |
Other |  |  |  |  |  |  |  |  |  |
Payment deferrals |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 3 |
Contractual maturity extensions |  | — |  |  | 47 |  |  | 29 |  |  | — |  |  | 76 |
Total other |  | — |  |  | 47 |  |  | 29 |  |  | 3 |  |  | 79 |
Commercial real estate |  |  |  |  |  |  |  |  |  |
Payment deferrals |  | — |  |  | 3 |  |  | — |  |  | 1 |  |  | 4 |
Interest rate concessions |  | — |  |  | — |  |  | 7 |  |  | — |  |  | 7 |
Total commercial real estate |  | — |  |  | 3 |  |  | 7 |  |  | 1 |  |  | 11 |
Total commercial |  | $ | — |  |  | $ | 50 |  |  | $ | 45 |  |  | $ | 4 |  |  | $ | 99 |
September 30, 2024 ($ in millions) |  | Current |  | 30–59 days past due |  | 60–89 days past due |  | 90 or more days past due |  | Total
Consumer automotive |  |  |  |  |  |  |  |  |  |
Contractual maturity extensions |  | $ | 316 |  |  | $ | 67 |  |  | $ | 25 |  |  | $ | 8 |  |  | $ | 416 |
Principal forgiveness |  | — |  |  | — |  |  | — |  |  | 4 |  |  | 4 |
Combination |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 1 |
Total consumer automotive |  | 317 |  |  | 67 |  |  | 25 |  |  | 12 |  |  | 421 |
Consumer mortgage |  |  |  |  |  |  |  |  |  |
Contractual maturity extensions |  | 2 |  |  | 1 |  |  | — |  |  | — |  |  | 3 |
Combination |  | 1 |  |  | — |  |  | — |  |  | — |  |  | 1 |
Total consumer mortgage |  | 3 |  |  | 1 |  |  | — |  |  | — |  |  | 4 |
Consumer other (a) |  |  |  |  |  |  |  |  |  |
Interest rate concessions |  | 10 |  |  | 2 |  |  | 1 |  |  | 3 |  |  | 16 |
Total consumer other |  | 10 |  |  | 2 |  |  | 1 |  |  | 3 |  |  | 16 |
Total consumer |  | $ | 330 |  |  | $ | 70 |  |  | $ | 26 |  |  | $ | 15 |  |  | $ | 441 |
(a)Consists of Credit Card. We closed the sale of Ally Credit Card on April 1, 2025. Refer to Note 2 for additional information.
September 30, 2024 ($ in millions) |  | Pass |  | Special mention |  | Substandard |  | Doubtful |  | Total
Commercial and industrial |  |  |  |  |  |  |  |  |  |
Automotive |  |  |  |  |  |  |  |  |  |
Payment deferrals |  | $ | — |  |  | $ | — |  |  | $ | 5 |  |  | $ | — |  |  | $ | 5 |
Interest rate concessions |  | — |  |  | — |  |  | 37 |  |  | — |  |  | 37 |
Total automotive |  | — |  |  | — |  |  | 42 |  |  | — |  |  | 42 |
Other |  |  |  |  |  |  |  |  |  |
Contractual maturity extensions |  | 118 |  |  | — |  |  | 56 |  |  | — |  |  | 174 |
Combination |  | — |  |  | — |  |  | 14 |  |  | — |  |  | 14 |
Total other |  | 118 |  |  | — |  |  | 70 |  |  | — |  |  | 188 |
Commercial real estate |  |  |  |  |  |  |  |  |  |
Combination |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 1 |
Total commercial real estate |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 1 |
Total commercial |  | $ | 118 |  |  | $ | — |  |  | $ | 112 |  |  | $ | 1 |  |  | $ | 231 |

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