The Ultimate Guide to Chrysler Capital Financing Solutions

Chrysler Capital is a full-service auto financing company dedicated to providing a range of financing options for customers interested in purchasing or leasing vehicles under the Chrysler, Dodge, Jeep, Ram, and FIAT brands. Established as a partnership between Chrysler Group LLC and Santander Consumer USA in 2013, Chrysler Capital is known for offering competitive financing solutions tailored to meet various needs, whether you’re buying a new or used vehicle or leasing a new one.

What is Chrysler Capital?

Chrysler Capital is the official finance provider for Chrysler, Dodge, Jeep, Ram, and FIAT vehicles. The company offers a variety of financial services to help customers purchase or lease their desired vehicles. These services include new and used vehicle financing, lease programs, and a range of insurance products designed to protect both the car and the consumer.

Financing Options with Chrysler Capital

1. New and Used Vehicle Financing: Chrysler offers flexible loan options for both new and pre-owned vehicles. Customers can choose from a variety of loan terms, often ranging from 24 to 84 months, depending on their financial needs and credit profile.
2. Leasing Programs: Leasing is a popular option for those who want to drive a new car every few years. Chrysler offers attractive lease deals with flexible terms, allowing customers to enjoy lower monthly payments and the latest vehicles without the long-term commitment of ownership.
3. Certified Pre-Owned Financing: For customers interested in certified pre-owned (CPO) vehicles, Chrysler provides specialized financing options. These CPO vehicles undergo rigorous inspections and come with extended warranties, making them an attractive option for budget-conscious buyers who still want peace of mind.
4. Balloon Financing: For those who prefer lower monthly payments with a larger final payment, Chrysler offers balloon financing. This option can be beneficial for customers who plan to sell or trade in their vehicles before the balloon payment is due.
5. Special Financing Offers: Chrysler Capital frequently provides special financing offers, such as 0% APR financing, cashback incentives, and low-rate deals for well-qualified buyers. These promotions are often seasonal or tied to specific vehicle models, providing extra savings opportunities.

How to Apply for Chrysler Capital Financing

Applying for financing through Chrysler Capital is straightforward. Here’s a step-by-step guide:

1. Visit the Website: Go to the Chrysler Capital website and use the online application tool to get started.
2. Provide Personal Information: Fill out the application with your personal details, including your name, address, and Social Security number.
3. Select Your Vehicle: Choose the make, model, and year of the vehicle you are interested in purchasing or leasing.
4. Review and Submit: After completing the application, review the information and submit it for processing.
5. Get Pre-Approved: In many cases, you can receive a pre-approval decision within minutes, helping you understand what kind of loan amount and terms you qualify for before visiting a dealership.

Chrysler Lease-End Options

If you’ve leased a vehicle through Chrysler Capital, you have several options as your lease term nears its end:

1. Return Your Vehicle: Simply return the vehicle to your Chrysler, Dodge, Jeep, Ram, or FIAT dealership and pay any remaining fees or charges.
2. Purchase Your Leased Vehicle: If you’ve grown attached to your car, you can choose to buy it at the predetermined residual value outlined in your lease agreement.
3. Lease a New Vehicle: You may decide to lease a new vehicle from Chrysler Capital. This option often comes with loyalty incentives, such as waived fees or special rates.

Chrysler Capital Customer Service and Support

Chrysler Capital offers multiple channels for customer service and support, ensuring that customers have access to assistance whenever they need it:

• Online Account Management: Customers can create an online account to manage their auto loans or leases. The online portal allows you to make payments, view statements, and access important documents related to your financing.
• Customer Service Hotline: A dedicated customer service hotline is available to answer questions, assist with payment issues, and provide guidance on financing options.
• Local Dealerships: Chrysler Capital works closely with Chrysler, Dodge, Jeep, Ram, and FIAT dealerships across the country, providing in-person assistance for all financing-related matters.

Benefits of Financing Through Chrysler Capital

Financing through Chrysler Capital comes with several advantages:

• Brand-Specific Expertise: As the official financing arm of Chrysler, Dodge, Jeep, Ram, and FIAT, Chrysler Capital offers tailored financing options that are aligned with the unique needs and incentives of these brands.
• Convenient Application Process: The online application process is quick and easy, with many applicants receiving a decision within minutes.
• Exclusive Offers: Chrysler Capital provides exclusive financing offers and incentives that may not be available through other lenders.
• Flexible Payment Options: Customers can choose from a variety of loan terms, allowing them to customize their payments to fit their budgets.

Understanding Your Chrysler Credit Score

Your credit score is a key factor in determining the terms and conditions of your auto loan or lease with Chrysler. A higher credit score generally qualifies you for lower interest rates and better financing terms. However, Chrysler offers financing options for a wide range of credit profiles, from excellent to less-than-perfect credit.

Chrysler and Financial Wellness

In addition to providing financing solutions, Chrysler also offers resources to help customers understand and improve their financial health. These resources include tools for budgeting, credit education, and tips for managing debt, all aimed at helping customers make informed financial decisions.

Frequently Asked Questions About Chrysler Capital

1. What credit score do I need to qualify for Chrysler financing?
   While there is no strict minimum credit score, a higher score will generally qualify you for better rates and terms. Chrysler Capital offers financing options for a range of credit profiles.
2. Can I refinance my loan with Chrysler Capital?
   Chrysler Capital does not currently offer refinancing for its own loans. However, you may be able to refinance through another lender.
3. What is Chrysler Capital’s grace period for late payments?
   Chrysler Capital typically provides a grace period of 10 days for late payments, but it’s essential to check your specific loan agreement for details.
4. How do I make payments to Chrysler Capital?
   Payments can be made online, via mail, or by phone. Automatic payment options are also available for added convenience.

Conclusion

Chrysler Capital provides a range of flexible and competitive financing solutions tailored to the needs of Chrysler, Dodge, Jeep, Ram, and FIAT customers. Whether you’re interested in purchasing or leasing a vehicle, Chrysler Capital offers numerous options to suit various budgets and credit profiles. With exclusive deals, straightforward application processes, and extensive customer support, it’s a convenient and valuable choice for financing your next vehicle.