Ally auto does not refinance. Once you accept their loan you can not refinance with them. You would have refinance with someone else.
I opened a joint account switching over from capitalone because of the higher interest rates. My sister said not to because of reviews she read online that said the customer service was atrocious, but I told her I doubt I would have to deal with them because I will only be making transfers in and out, boy was I wrong. I made a transfer from my wife's account to our joint account n it was canceled saying she wasn't an authorized user. I would have been fine if they had not already taken money from that account before! I also had to mail In information confirming her social and her personal info. So I call in to straighten everything out. The customer service rep didn't know what the hell was going on and put me on hold for about 40 minutes coming back every 5 minutes to tell me she was going to put me on hold for another 5 minutes. I did not yell or give her attitude as I know that doesn't get you anywhere. At the end of the wait when she told me all she could do is open a case for it and they would call me back the next day, I thought no thanks I don't have time to deal with this anymore. I told her no thanks she didn't have to open the case I would just close the account, I thanked her and hung up.
tl:dr don't go with ally go somewhere else