What Stellantis payment options are available

Stellantis is the parent company of Chrysler, Dodge, Jeep, Ram, and several other vehicle brands. If you own one of these vehicles and have an outstanding loan or lease, you make payments to the financial arm of Stellantis — usually Chrysler Capital or Santander Consumer USA, depending on where and when you financed the vehicle.

You do not pay Stellantis directly. Instead, you pay the lender that holds your loan or lease agreement. That lender's name appears on your loan documents and monthly statement. The payment methods available depend on which lender you work with, not on Stellantis itself.

Most Stellantis lenders accept online payments through their websites or mobile apps, automatic bank transfers (ACH), checks by mail, phone payments, and in-person payments at dealerships or payment centers. Some also accept credit card payments, though fees may apply.

Key Takeaways

  • You pay your Stellantis vehicle loan or lease to the lender listed on your contract, not to Stellantis — usually Chrysler Capital or Santander Consumer USA.
  • The fastest way to find your lender and payment options is to check your monthly statement or log into your online account.
  • Most lenders offer online payment portals, automatic recurring payments, phone payments, and mail-in checks.
  • If you are behind on payments or facing hardship, contact your lender directly to discuss options before missing a payment.

Finding your lender and account information

Your monthly loan or lease statement shows the name and contact information of your lender. This is the company you send money to each month. If you cannot locate a recent statement, check any paperwork you received when you financed or leased the vehicle — the loan agreement or lease contract will name the lender.

You can also call the dealership where you purchased the vehicle and provide your vehicle identification number (VIN). The dealership can tell you which lender holds your loan or lease and provide contact details. Many dealerships also have payment departments that can process payments on your behalf.

Once you have identified your lender, visit their website or call their customer service line. Most lenders allow you to create an online account where you can view your balance, payment history, and due dates. This account is usually the fastest way to make a payment.

Online and automatic payment methods

Most Stellantis lenders offer online payment portals accessible through their websites or mobile apps. To pay online, log into your account, select the payment amount and date, and authorize the transaction. Online payments typically process within one to three business days, though some lenders offer same-day processing for an additional fee.

Automatic recurring payments (also called autopay) allow you to authorize your lender to withdraw your payment from your bank account on the same date each month. This method eliminates the risk of forgetting a payment and often qualifies you for a small interest rate reduction — typically 0.25 percent — offered by many lenders. You can set up autopay through your online account or by calling customer service.

To set up automatic payments, you will need your bank account number and routing number. Your bank statement or online banking portal shows both. Some lenders also accept payments through third-party services like PayPal or Venmo, though fees may apply.

Phone and mail payment options

If you prefer not to pay online, you can call your lender's customer service number to make a payment over the phone. Have your account number and payment amount ready. Phone payments typically process within one to three business days. Some lenders charge a small fee for phone payments, so ask before authorizing the transaction.

You can also mail a check to the address listed on your monthly statement or provided by customer service. Write your account number on the check and mail it to the payment processing address — not the lender's main office. Mail payments take seven to ten business days to clear, so send your check at least ten days before your due date to avoid a late payment.

Some dealerships accept in-person payments at their finance offices. Call your dealership to confirm they accept payments and whether they charge a fee for this service. In-person payments usually process the same day.

What to do if you are behind on payments

If you have missed a payment or cannot make your next payment on time, contact your lender immediately. Do not wait for a late notice. Most lenders have hardship programs that may allow you to defer a payment, reduce your monthly payment temporarily, or restructure your loan.

When you call, explain your situation honestly and ask what options are available. Your lender may be able to move your due date, add missed payments to the end of your loan, or temporarily lower your payment while you recover financially. These options vary by lender and your loan terms, but most lenders prefer to work with you rather than pursue collection or repossession.

Keep records of all conversations with your lender, including the date, time, and name of the representative you spoke with. If your lender offers a payment plan or deferment, ask for written confirmation before you rely on it.

Understanding late fees and credit impact

Most loan agreements include a late fee if your payment arrives after the due date. Late fees typically range from $25 to $50, depending on your loan terms. A payment is usually considered late if it arrives more than ten days after the due date, though some lenders charge a fee after just one day.

A late payment also appears on your credit report and can lower your credit score. The impact is greater the longer you remain behind. A payment 30 days late has less impact than one 90 days late, but both damage your score. Late payments remain on your credit report for seven years.

If you are struggling to make payments, contacting your lender before you miss a payment is far better for your credit than waiting until you are significantly behind. Many lenders report hardship arrangements differently than missed payments, which can reduce the damage to your credit score.

Frequently Asked Questions

Can I pay my Stellantis loan with a credit card?

Some lenders accept credit card payments, but most charge a processing fee of 2 to 3 percent. Paying a car loan with a credit card usually costs more than it saves, unless you are earning rewards that exceed the fee. Call your lender to ask whether they accept credit cards and what the fee is.

What happens if I pay extra toward my loan?

Most lenders allow extra payments without penalty. Extra payments reduce your principal balance and shorten your loan term, saving you interest. When you make a payment, specify whether the extra amount should go toward your next payment or toward principal. Ask your lender how to direct extra payments.

How do I set up a payment if I do not have online access?

Call your lender's customer service number and ask to speak with a representative. They can help you make a one-time payment over the phone or set up automatic payments from your bank account. You will need your account number and bank information ready.

What if my payment is due on a weekend or holiday?

Most lenders consider a payment on time if it is received by the due date, even if that date falls on a weekend or holiday. However, mail and electronic payments may take several business days to process. Send payments at least five to seven business days before your due date to account for processing time.

Can I change my payment due date?

Many lenders allow you to change your due date once per year or upon request. Contact your lender's customer service to ask about changing your due date. Some lenders charge a small fee for this service, while others offer it for free.