XML 53 R42.htm IDEA: XBRL DOCUMENT v3.25.3

Finance Receivables and Loans, Net (Tables)

9 Months Ended

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

X

- Definition

[Table Text Block] for Schedule of Purchases of Financing Receivables and Loans [Table]

+ References

No definition available.

+ Details

Name:	ally_ScheduleOfPurchasesOfFinancingReceivablesAndLoansTableTextBlock
Namespace Prefix:	ally_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Schedule Of Sales Of Financing Receivables And Loans Table Text Block

+ References

No definition available.

+ Details

Name:	ally_ScheduleOfSalesOfFinancingReceivablesAndLoansTableTextBlockTableTextBlock
Namespace Prefix:	ally_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 13
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-13

+ Details

Name:	us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: 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

+ Details

Name:	us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-14

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 80
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-80

+ Details

Name:	us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- References

No definition available.

+ Details

Name:	us-gaap_ReceivablesAbstract
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(4))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(3))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

+ Details

Name:	us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivable on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-16

+ Details

Name:	us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-42

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-42

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 12A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A

Reference 4: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 34
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-34

Reference 5: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 33
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-33

+ Details

Name:	us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration