# EDGAR Filing Document

**Accession Number:** 0000040729
**File Stem:** 0001193125-26-182283
**Filing Date:** 2026-4
**Character Count:** 8514
**Document Hash:** 9c958d8489777346a41f0f5c29c22840
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-182283.hdr.sgml**: 20260427

**ACCESSION NUMBER**: 0001193125-26-182283

**CONFORMED SUBMISSION TYPE**: FWP

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260427

**DATE AS OF CHANGE**: 20260427

**SUBJECT COMPANY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Ally Financial Inc.
- **CENTRAL INDEX KEY:** 0000040729
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 380572512
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** FWP
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 333-290659
- **FILM NUMBER:** 26901674

**BUSINESS ADDRESS:**
- **STREET 1:** ALLY DETROIT CENTER
- **STREET 2:** 500 WOODWARD AVE. FLOOR 10
- **CITY:** DETROIT
- **STATE:** MI
- **ZIP:** 48226
- **BUSINESS PHONE:** 866-710-4623

**MAIL ADDRESS:**
- **STREET 1:** ALLY DETROIT CENTER
- **STREET 2:** 500 WOODWARD AVE. FLOOR 10
- **CITY:** DETROIT
- **STATE:** MI
- **ZIP:** 48226

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** GMAC INC.
- **DATE OF NAME CHANGE:** 20090701

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** GMAC LLC
- **DATE OF NAME CHANGE:** 20060720

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** GENERAL MOTORS ACCEPTANCE CORP
- **DATE OF NAME CHANGE:** 19920703
**FILED BY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Ally Financial Inc.
- **CENTRAL INDEX KEY:** 0000040729
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 380572512
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** FWP

**BUSINESS ADDRESS:**
- **STREET 1:** ALLY DETROIT CENTER
- **STREET 2:** 500 WOODWARD AVE. FLOOR 10
- **CITY:** DETROIT
- **STATE:** MI
- **ZIP:** 48226
- **BUSINESS PHONE:** 866-710-4623

**MAIL ADDRESS:**
- **STREET 1:** ALLY DETROIT CENTER
- **STREET 2:** 500 WOODWARD AVE. FLOOR 10
- **CITY:** DETROIT
- **STATE:** MI
- **ZIP:** 48226

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** GMAC INC.
- **DATE OF NAME CHANGE:** 20090701

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** GMAC LLC
- **DATE OF NAME CHANGE:** 20060720

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** GENERAL MOTORS ACCEPTANCE CORP
- **DATE OF NAME CHANGE:** 19920703

**Filed Pursuant to Rule 433** 

**Registration No. 333-290659** 

**Final Pricing Term Sheet dated April 27, 2026**![LOGO](g586866g0428000111859.jpg)

**1,000,000 Shares of** 

**7.100% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series D** 

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| | |
|:---|:---|
| **Issuer:** | Ally Financial Inc. ("Ally") |
| **Security:** | Shares of 7.100% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series D (the "Preferred Shares") |
| **Expected Ratings\*:** | Ba2 (Stable) / BB- (Stable) / B+ (Positive) (Moody's / S&P / Fitch) |
| **Size:** | $1,000,000,000 (1,000,000 Preferred Shares) |
| **Legal Format:** | SEC Registered |
| **Trade Date:** | April 27, 2026 |
| **Settlement Date\*\*:** | May 1, 2026 (T+4) |
| **Liquidation Preference:** | $1,000 per Preferred Share |
| **Term:** | Perpetual |
| **Public Offering Price:** | $1,000 per Preferred Share |
| **Gross Proceeds:** | $1000000000 |
| **Underwriting Discount:** | $10.00 per Preferred Share |
| **Net Proceeds to Ally before Estimated Expenses:** | $990000000 |
| **First Reset Date:** | August 15, 2031 |
| **Reset Date:** | The First Reset Date and each date falling on the fifth anniversary of the preceding reset date. |
| **Reset Period:** | The period from and including the First Reset Date to, but excluding, the next following Reset Date and thereafter each period from and including each Reset Date to, but excluding, the next following Reset Date. |
| **Reset Dividend Determination Date:** | In respect of any Reset Period, the day falling three business days prior to the beginning of such Reset Period. |
| **Dividend Rate (Non-Cumulative):** | At a rate per annum equal to (i) 7.100% from the Settlement Date to, but excluding, August 15, 2031; and (ii) for each Reset Period from, and including, August 15, 2031, the "five-year treasury rate," as defined in the preliminary prospectus supplement dated April 27, 2026, as of the most recent Reset Dividend Determination Date plus 3.148%. |

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| | |
|:---|:---|
| **Dividend Payment Dates:** | If declared, quarterly in arrears on February 15, May 15, August 15 and November 15 of each year, commencing on August 15, 2026 (long first dividend period). |
| **Optional Redemption:** | Ally may, at its option, redeem the Preferred Shares (i) in whole or in part, from time to time, on any dividend payment date on or after the First Reset Date or (ii) in whole, but not in part, at any time within 90 days following a "regulatory capital treatment event," as defined in the preliminary prospectus supplement dated April 27, 2026, in each case at a redemption price equal to $1,000 per Preferred Share, plus any declared and unpaid dividends to, but excluding the date of redemption, without accumulation of undeclared dividends. The holders of Preferred Shares will not have the right to require Ally to redeem or repurchase their Preferred Shares. |
| **Day Count Convention:** | 30/360 |
| **Business Days:** | New York |
| **CUSIP/ISIN Numbers for Preferred Shares:** | CUSIP: 02005N CB4<br> ISIN: US02005NCB47 |
| **Joint Book-Running Managers:** | BofA Securities, Inc.<br> Citigroup Global Markets Inc.<br> Deutsche Bank Securities Inc.<br> Morgan Stanley & Co. LLC<br> Barclays Capital Inc.<br> Goldman Sachs & Co. LLC<br> J.P. Morgan Securities LLC<br> TD Securities (USA) LLC<br> Wells Fargo Securities, LLC |
| **Co-Managers:** | AmeriVet Securities, Inc.<br> Blaylock Van, LLC<br> C.L. King & Associates, Inc.<br> Drexel Hamilton, LLC<br> Loop Capital Markets LLC<br> Penserra Securities LLC<br> Samuel A. Ramirez & Company, Inc.<br> Telsey Advisory Group LLC |

---

**The Preferred Shares are not deposits or other obligations of a bank and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency.** 

\* **Note**: A securities rating is not a recommendation to buy, sell or hold securities and may be subject to revision or withdrawal at any time. 

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\*\* It is expected that delivery of the Preferred Shares will be made in book-entry form only through the facilities of The Depository Trust Company against payment in New York, New York on or about the fourth business day following the date of this term sheet. Trades of securities in the secondary market generally are required to settle in one business day, referred to as T+1, unless the parties to a trade agree otherwise. Accordingly, by virtue of the fact that the initial delivery of the Preferred Shares will not be made on a T+1 basis, investors who wish to trade the Preferred Shares prior to one business day before the Settlement Date will be required to specify an alternative settlement cycle at the time of any such trade to prevent a failed settlement. 

**The Issuer has filed a registration statement, including a prospectus and a preliminary prospectus supplement, with the U.S. Securities and Exchange Commission (the "SEC") for the offering to which this communication relates. Before you invest, you should read the preliminary prospectus supplement, the accompanying prospectus in that registration statement and the other documents the Issuer has filed with the SEC for more complete information about the Issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC's website at www.sec.gov. Alternatively, the Issuer, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it by calling BofA Securities, Inc. toll-free at 1-800-294-1322, Citigroup Global Markets Inc. toll-free at 1-800-831-9146, Deutsche Bank Securities Inc. toll-free at 1-800-503-4611, or Morgan Stanley & Co. LLC toll-free at 1-866-718-1649.** 

This communication should be read in conjunction with the preliminary prospectus supplement and the accompanying prospectus for the Preferred Shares. The information in this communication supersedes the information in the preliminary prospectus supplement and the accompanying prospectus for the Preferred Shares to the extent it is inconsistent with the information in such preliminary prospectus supplement or the accompanying prospectus.