Where and how to pay Chrysler Capital
Chrysler Capital is the captive finance company for Chrysler, Jeep, Ram, and Dodge vehicles. If you financed your vehicle through a Chrysler dealership, your loan is likely serviced by Chrysler Capital. You can make a payment online through their website, by phone, by mail, or in person at a Chrysler dealership.
The fastest method is online at chryslercapital.com. You'll log into your account, select the payment amount, and choose your payment method — debit card, bank account, or credit card. Phone payments go through their customer service line at 1-800-922-9000. Mail payments should be sent to the address on your statement. In-person payments at a dealership are also accepted, though not all dealerships process payments on-site, so call ahead.
Key Takeaways
- Online payment through chryslercapital.com is the fastest option and typically posts within one business day.
- Phone payments at 1-800-922-9000 can be made during business hours and are processed the same day you call.
- Mail payments take longer to post — usually 7 to 10 business days — so send them well before your due date to avoid a late fee.
- Your payment due date and current balance are shown on your monthly statement or in your online account.
- Late fees typically range from $10 to $25 depending on your loan agreement, and missed payments can affect your credit score.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Chrysler Capital account online, go to the payment settings or autopay section, and link your bank account or debit card. You can choose to pay the minimum due, a fixed amount, or the full balance each month.
Automatic payments usually process on the due date or a few days before, depending on how you set them up. If your income varies or you want to skip a month, you can pause or cancel autopay anytime through your account. Keep in mind that even with autopay active, you're responsible for making sure funds are available in your account on the payment date.
What happens if you miss a payment
A payment is considered late if it arrives after your due date. Most lenders allow a grace period of 10 to 15 days before reporting the late payment to credit bureaus, but a late fee is usually charged immediately. Chrysler Capital's late fees are typically $10 to $25, depending on your loan terms.
If you miss a payment, contact Chrysler Capital right away. Explain your situation and ask about a payment plan or deferment options. Some lenders will work with you to catch up over time rather than accelerate the loan or begin repossession proceedings. The longer you wait, the harder it becomes to resolve without serious consequences to your credit and your vehicle.
Understanding your loan statement
Your monthly statement shows your payment due date, the amount due, your current balance, and how much of your payment goes toward principal versus interest. The due date is the last day to pay without triggering a late fee. The current balance is what you still owe on the loan.
Your statement also lists the interest rate, the original loan amount, and the loan term (usually 36, 48, 60, or 72 months). If you don't receive a statement by email or mail, log into your online account to view it. Statements are usually available 10 to 15 days before your due date, giving you time to plan your payment.
Paying off your loan early
You can pay off your Chrysler Capital loan at any time without penalty. Making extra payments or paying a lump sum reduces the principal balance and saves you money on interest over the life of the loan. When you pay online or by phone, you can specify an amount above your regular payment.
If you're planning to pay off the loan in full, ask Chrysler Capital for a payoff quote. This is the exact amount needed to close the loan as of a specific date, including any remaining interest. Payoff quotes are usually good for 10 to 30 days. Once you've paid the payoff amount, the lender will release the lien on your vehicle's title, and you'll own it free and clear.
Payment methods and processing times
| Payment Method | How to Pay | Processing Time |
|---|---|---|
| Online | chryslercapital.com, log in and select payment | 1 business day |
| Phone | 1-800-922-9000 during business hours | Same day |
| Send check to address on statement | 7 to 10 business days | |
| Dealership | In person at a Chrysler dealership | 1 to 3 business days |
Frequently Asked Questions
Can I pay my Chrysler Capital loan with a credit card?
Chrysler Capital does not accept credit card payments directly. However, you can pay online or by phone using a debit card or bank account. Some third-party payment processors allow you to pay with a credit card, but they charge a fee for the service, which may not be worth it.
What time of day do online payments post?
Online payments typically post within one business day, but the exact time depends on when you submit the payment and your bank's processing schedule. Payments submitted early in the day are more likely to post the same day. If your due date is tomorrow, call instead to ensure the payment is recorded on time.
Do I need to create an account to make a payment?
You need to create or log into an account to pay online. If you don't have an online account yet, visit chryslercapital.com and select "Register" or "Create Account." You'll need your loan number and personal information. Phone and mail payments can be made without an online account, but having one makes tracking your balance and due date much easier.
What if I want to change my payment due date?
Contact Chrysler Capital by phone at 1-800-922-9000 to request a due date change. They may be able to move your due date to align with your payday or another date that works better for your budget. Changes typically take effect on your next billing cycle.
Is there a fee for paying online?
Chrysler Capital does not charge a fee for online payments made through their website. Phone payments are also free. Mail and in-person payments are free as well. Avoid third-party payment services that claim to speed up processing, as they typically charge a convenience fee.