SEC Form FWP filed by Ally Financial Inc.

Fixed Rate Period: 5.548% per annum.

Floating Rate Period: Compounded SOFR, determined as set forth under “Description of Notes—Principal Amount; Maturity and Interest—Floating Rate Period” in the preliminary prospectus supplement, plus 178 basis points.

Fixed Rate Period: Semi-annually, in arrears, on January 31 and July 31 of each year, beginning on January 31, 2026, and ending on July 31, 2032.

Floating Rate Period: Quarterly, in arrears, on October 31, 2032, January 31, 2033, April 30, 2033, and at the maturity date.

The Notes will be redeemable at Ally’s option, in whole or in part, at any time and from time to time, on or after January 27, 2026 (180 days from July 31, 2025) (or, if additional Notes are issued thereafter, beginning 180 days after the issue date of such additional Notes), and prior to July 31, 2032 (the date that is one year prior to the maturity date), at a redemption price (expressed as a percentage of the principal amount and rounded to three decimal places) equal to the greater of:

•  (a) the sum of the present values of the remaining scheduled payments of principal and interest on the Notes to be redeemed, discounted to the redemption date (assuming that the Notes to be redeemed matured on July 31, 2032 (the date that is one year prior to the maturity date)) on a semi-annual basis (assuming a 360-day year consisting of twelve 30-day months) at the Treasury Rate (as defined in the preliminary prospectus supplement) plus 25 basis points less (b) interest accrued on the Notes to be redeemed to the date of redemption; and

•  100% of the principal amount of the Notes to be redeemed,

plus, in either case, accrued and unpaid interest thereon, if any, to, but excluding, the redemption date.

In addition, Ally may, at its option, redeem the Notes (i) in whole but not in part on July 31, 2032 (the date that is one year prior to the maturity date) or (ii) in whole or in part, at any time and from time to time, on or after May 31, 2033 (the date that is two months prior to the maturity date), in each case at a redemption price equal to 100% of the aggregate principal amount of the Notes being redeemed, plus accrued and unpaid interest thereon, if any, to, but excluding, the redemption date.

The Notes will not be subject to repayment at the option of the holder at any time prior to maturity.

Fixed Rate Period: 30/360

Floating Rate Period: Actual/360

CUSIP: 02005N CA6

ISIN: US02005NCA63

Barclays Capital Inc.

Citigroup Global Markets Inc.

Goldman Sachs & Co. LLC

RBC Capital Markets, LLC

Lloyds Securities Inc.

SMBC Nikko Securities America, Inc.

Academy Securities, Inc.

Blaylock Van, LLC

Loop Capital Markets LLC

Samuel A. Ramirez & Company, Inc.

Telsey Advisory Group LLC

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.

It is expected that delivery of the Notes 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 third 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 Notes will not be made on a T+1 basis, investors who wish to trade the Notes 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.