Chrysler Capital is the brand name for the auto finance operations of Santander Consumer USA Inc. (SCUSA), a publicly traded company (NYSE: SC). While directly associated with Chrysler, Dodge, Jeep, Ram, and Fiat brands, Chrysler Capital is not owned or directly controlled by Stellantis, the multinational automotive manufacturer resulting from the merger of Fiat Chrysler Automobiles and PSA Group. Instead, SCUSA has an agreement to be the preferred finance partner for Stellantis vehicles.
Chrysler Capital provides a range of financial products and services aimed at supporting both dealerships and consumers. For dealerships, it offers wholesale financing (floorplan financing) to help them stock their inventory of new and used vehicles. This allows dealerships to access the capital needed to purchase vehicles from manufacturers and other sources. In addition, Chrysler Capital offers retail financing to dealers, allowing them to provide financing options to their customers directly at the point of sale.
For consumers, Chrysler Capital offers various auto loan and lease options to facilitate the purchase or lease of a Stellantis vehicle. This includes traditional installment loans with varying interest rates and loan terms, catering to a diverse range of credit profiles. Chrysler Capital also provides lease options, which can be attractive to consumers who prefer lower monthly payments and the option to upgrade to a new vehicle every few years. These lease programs often include features such as mileage allowances and end-of-lease purchase options.
Applying for financing through Chrysler Capital can be done either directly through a Stellantis dealership or, in some cases, online. The application process typically involves providing personal and financial information, including income, employment history, credit history, and desired vehicle information. Chrysler Capital will then assess the applicant’s creditworthiness and determine the appropriate loan terms and interest rates.
It’s important to note that interest rates and loan terms offered by Chrysler Capital, like any auto finance provider, will vary depending on factors such as credit score, loan amount, and the specific vehicle being financed. Consumers are always encouraged to shop around and compare offers from multiple lenders, including banks, credit unions, and other auto finance companies, to ensure they are getting the best possible terms.
While Chrysler Capital aims to provide competitive financing options, consumers should carefully review all loan or lease agreements before signing. Pay close attention to the interest rate, loan term, monthly payment amount, and any fees associated with the financing. Understanding the terms and conditions is crucial to making an informed decision and avoiding potential financial issues down the road.
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