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  <xs:element id="ally_A50OfVehicleResidualValueMember" abstract="true" name="A50OfVehicleResidualValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_ResidualValueGuarantee" abstract="false" name="ResidualValueGuarantee" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ally_DepreciationExpenseOnOperatingLeaseAssets" abstract="false" name="DepreciationExpenseOnOperatingLeaseAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_VariableLeasePaymentsExcessiveWearAndTear" abstract="false" name="VariableLeasePaymentsExcessiveWearAndTear" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_SalesTypeAndDirectFinancingLeasesPaymentToBeReceivedAfterYearFour" abstract="false" name="SalesTypeAndDirectFinancingLeasesPaymentToBeReceivedAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_VariableInterestEntityMember" abstract="true" name="VariableInterestEntityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_OffBalanceSheetSecuritizationEntitiesMember" abstract="true" name="OffBalanceSheetSecuritizationEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_WholeLoanSalesMember" abstract="true" name="WholeLoanSalesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_NonmarketableEquityInvestments" abstract="false" name="NonmarketableEquityInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_RestrictedCashCollectionsForSecuritizationTrust" abstract="false" name="RestrictedCashCollectionsForSecuritizationTrust" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_AllyCreditCardMember" abstract="true" name="AllyCreditCardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_InvestmentProgramProportionalAmortizationMethodElectedCommitmentPeriodToBePaid" abstract="false" name="InvestmentProgramProportionalAmortizationMethodElectedCommitmentPeriodToBePaid" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ally_EquitySecuritiesWithoutReadilyDeterminableFairValueInitialCostBasis" abstract="false" name="EquitySecuritiesWithoutReadilyDeterminableFairValueInitialCostBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_EquitySecuritiesWithoutReadilyDeterminableFairValueDownwardPriceAdjustmentAndAccumulatedImpairmentLossCumulativeAmount" abstract="false" name="EquitySecuritiesWithoutReadilyDeterminableFairValueDownwardPriceAdjustmentAndAccumulatedImpairmentLossCumulativeAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_EquitySecuritiesWithoutReadilyDeterminableFairValueDownwardPriceAdjustmentAndImpairmentLossAnnualAmount" abstract="false" name="EquitySecuritiesWithoutReadilyDeterminableFairValueDownwardPriceAdjustmentAndImpairmentLossAnnualAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_FederalHomeLoanBankStockAndFederalReserveBankStockImpairmentLoss" abstract="false" name="FederalHomeLoanBankStockAndFederalReserveBankStockImpairmentLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_AllyInvestMember" abstract="true" name="AllyInvestMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_Maturity31To60DaysMember" abstract="true" name="Maturity31To60DaysMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_LongTermDebtCurrentMaturitiesNetOfOriginalIssueDiscount" abstract="false" name="LongTermDebtCurrentMaturitiesNetOfOriginalIssueDiscount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_OriginalIssueDiscountMember" abstract="true" name="OriginalIssueDiscountMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_DebtInstrumentRedemptionPeriodSixMember" abstract="true" name="DebtInstrumentRedemptionPeriodSixMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_LongTermDebtMaturityNetOfOriginalIssueDiscountRemainderOfFiscalYear" abstract="false" name="LongTermDebtMaturityNetOfOriginalIssueDiscountRemainderOfFiscalYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_LongTermDebtMaturityAfterYearFour" abstract="false" name="LongTermDebtMaturityAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_ScheduleOfPledgedAssetsRelatedToSecuredBorrowingsTable" abstract="true" name="ScheduleOfPledgedAssetsRelatedToSecuredBorrowingsTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ally_CreditLinkedNotesMember" abstract="true" name="CreditLinkedNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_PledgedAssetsForFederalHomeLoanBankMember" abstract="true" name="PledgedAssetsForFederalHomeLoanBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_PledgedAssetsForFederalReserveBankMember" abstract="true" name="PledgedAssetsForFederalReserveBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_SecuredDebtLongTermAndShortTermCombinedAmount" abstract="false" name="SecuredDebtLongTermAndShortTermCombinedAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_SeriesBPreferredStockPriorToMay152026Member" abstract="true" name="SeriesBPreferredStockPriorToMay152026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_SeriesBPreferredStockOnAndAfterMay152026Member" abstract="true" name="SeriesBPreferredStockOnAndAfterMay152026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_SeriesCPreferredStockPriorToMay152028Member" abstract="true" name="SeriesCPreferredStockPriorToMay152028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_SeriesCPreferredStockOnAndAfterMay152028Member" abstract="true" name="SeriesCPreferredStockOnAndAfterMay152028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_AOCIAccumulatedGainLossDebtSecuritiesHeldToMaturityParentMember" abstract="true" name="AOCIAccumulatedGainLossDebtSecuritiesHeldToMaturityParentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_AccumulatedForeignCurrencyAdjustmentAndNetGainLossFromInvestmentHedgesParentMember" abstract="true" name="AccumulatedForeignCurrencyAdjustmentAndNetGainLossFromInvestmentHedgesParentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_AccumulatedNetGainLossFromInvestmentHedgesParentMember" abstract="true" name="AccumulatedNetGainLossFromInvestmentHedgesParentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_AllyFinancialIncMember" abstract="true" name="AllyFinancialIncMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_AllyBankMember" abstract="false" name="AllyBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_BankingRegulationAccumulatedOtherComprehensiveLossesExcludedFromCommonEquityTier1RiskBasedCapital" abstract="false" name="BankingRegulationAccumulatedOtherComprehensiveLossesExcludedFromCommonEquityTier1RiskBasedCapital" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_DebtInstrumentReferencePortfolioAmount" abstract="false" name="DebtInstrumentReferencePortfolioAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_DebtInstrumentReferenceAssetAmount" abstract="false" name="DebtInstrumentReferenceAssetAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_CashCollateralPlacedWithCounterparties" abstract="false" name="CashCollateralPlacedWithCounterparties" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_SecuritiesCollateralPlacedWithCounterparties" abstract="false" name="SecuritiesCollateralPlacedWithCounterparties" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_CashCollateralReceivedFromCounterpartiesExcludingCollateralAssociatedWithRepurchaseAgreements" abstract="false" name="CashCollateralReceivedFromCounterpartiesExcludingCollateralAssociatedWithRepurchaseAgreements" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_InterestRatePurchasedOptionsMember" abstract="true" name="InterestRatePurchasedOptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_CreditLinkedNoteDerivativesMember" abstract="true" name="CreditLinkedNoteDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_EquityContractWrittenOptionMember" abstract="true" name="EquityContractWrittenOptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_DiscontinuedHedgeMember" abstract="true" name="DiscontinuedHedgeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_AvailableForSaleDebtSecuritiesLocationMember" abstract="true" name="AvailableForSaleDebtSecuritiesLocationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_FinancereceivablesandLoansnetMember" abstract="true" name="FinancereceivablesandLoansnetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_LongTermDebtLocationMember" abstract="true" name="LongTermDebtLocationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_ClosedPortfolioLastOfLayerCarryingValue" abstract="false" name="ClosedPortfolioLastOfLayerCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_GainLossOnMortgageAndAutomotiveLoansMember" abstract="true" name="GainLossOnMortgageAndAutomotiveLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_DebtSecuritiesAvailableForSaleMember" abstract="true" name="DebtSecuritiesAvailableForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_FixedrateAutomotiveLoansMember" abstract="true" name="FixedrateAutomotiveLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_VariableRateCommercialBorrowingsMember" abstract="true" name="VariableRateCommercialBorrowingsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_InterestAndFeesOnFinanceReceivablesAndLoansMember" abstract="true" name="InterestAndFeesOnFinanceReceivablesAndLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_InterestAndDividendsOnInvestmentSecuritiesAndOtherEarningAssetsMember" abstract="true" name="InterestAndDividendsOnInvestmentSecuritiesAndOtherEarningAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_InterestOnLongTermDebtMember" abstract="true" name="InterestOnLongTermDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_GainLossOnAmortizationOfDeferredBasisAdjustments" abstract="false" name="GainLossOnAmortizationOfDeferredBasisAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_GainLossOnInterestForQualifyingHedge" abstract="false" name="GainLossOnInterestForQualifyingHedge" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_TotalInterestAndAmortizationIncomeExpenseHedgingRelationship" abstract="false" name="TotalInterestAndAmortizationIncomeExpenseHedgingRelationship" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_EquityInvestmentInAnyOneIndustryDidNotExceedPercentage" abstract="false" name="EquityInvestmentInAnyOneIndustryDidNotExceedPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ally_LoansHeldForSaleMember" abstract="true" name="LoansHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_FairValueAssetRecurringBasisStillHeldAbstract" abstract="true" name="FairValueAssetRecurringBasisStillHeldAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ally_FairValueLiabilityRecurringBasisStillHeldAbstract" abstract="true" name="FairValueLiabilityRecurringBasisStillHeldAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ally_NonmarketableEquityInvestmentsMember" abstract="true" name="NonmarketableEquityInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_RepossessedAndForeclosedAssetsMember" abstract="true" name="RepossessedAndForeclosedAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ally_LowerOfCostOrFairValueOrValuationReserveAllowance" abstract="false" name="LowerOfCostOrFairValueOrValuationReserveAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ally_NumberOfOperatingSubsegments" abstract="false" name="NumberOfOperatingSubsegments" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ally_OtherNoninterestExpenseAbstract" abstract="true" name="OtherNoninterestExpenseAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ally_PreferredStockDividendRateBasisSpreadVariableRate" abstract="false" name="PreferredStockDividendRateBasisSpreadVariableRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ally_PreferredStockNumberOfSharesIntendedToBeRedeemed" abstract="false" name="PreferredStockNumberOfSharesIntendedToBeRedeemed" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ally_PreferredStockNumberOfSharesIntendedToBeRedeemedPercentageOfIssuedAndOutstandingShares" abstract="false" name="PreferredStockNumberOfSharesIntendedToBeRedeemedPercentageOfIssuedAndOutstandingShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ally_StephanieN.RichardMember" abstract="true" name="StephanieN.RichardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
