Smart Purchase^TM is a logical alternative to existing conventional financing or leasing plans. This new, more flexible loan product allows you to own your vehicle while remaining enabled to return your vehicle at a fixed point in the contract term for a predetermined price. It is a fixed rate, fully amortizing product with terms up to 84 months.

Smart Purchase^TM customers may exercise an option to return their vehicle for sale to Ally Credit^® during the time frame specified in their contract (i.e. months 36-37, 48-49 or 60-61), subject to payment of a $199 disposal fee and any excess wear and tear or kilometre charges. Other conditions and limitations apply. Alternatively customers can pay the outstanding balance in full (amount determined at vehicle purchase date) or continue at the initial payment amount for the remaining term of the contract.

Smart Purchase^TM Plan Features

• Rate is fixed over the entire term of the contract
• No down payment requirement OAC
• 36, 48 or 60 month Smart Purchase^TM Option Date (where you can return your vehicle for sale to Ally Credit, buy it out, or simply continue your payments)
• Available in all provinces and territories

Smart Purchase^TM Customer Benefits

• Low monthly payments
• You actually own your vehicle
• Able to get in to a new vehicle more often
• Multiple choices at the Option Date
• Product is completely open, so it can be paid down or off at any time without penalty
• Available on all vehicles