Chrysler Financing: What To Know in 2026
Chrysler’s lineup may have changed over the years, but its financing arm is alive and well, offering buyers a variety of incentives. Before you sign any paperwork at a dealership, however, it’s worth putting in the effort to understand how Chrysler financing works, what it takes to qualify and how it compares with offers from other lenders.
This guide will explain Chrysler financing options available in 2026, show you how your credit score can affect your payments and help you avoid overpaying for your car.
How do your Chrysler payments compare to the average?
Use the LendingTree auto loan calculator to determine how much car you can afford.
We analyzed data from trusted sources like Edmunds and Experian to estimate average Chrysler monthly payments based on credit score.
Here’s how to use our study to help you shop for a good deal on a Chrysler loan.
- Check your credit. You’ll need to know your credit score to use our study. Don’t know your score? Check your credit for free with LendingTree Spring.
- Compare monthly payments. Find your credit score and Chrysler model in the tables below and compare your quotes with our estimates. If you don’t see your preferred model, choose the one with the closest manufacturer’s suggested retail price (MSRP).
Car buyers with better credit tend to choose shorter terms. They’ll have higher monthly payments but pay less interest over time.
Learn more about how we calculated average monthly Chrysler payments.
Estimated average monthly payments for new Chryslers
| Model | Starting MSRP | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2026 Chrysler Voyager | $40,895 | $693.89 | $623.16 | $586.41 | $611.66 |
| 2026 Chrysler Pacifica | $43,945 | $754.57 | $677.66 | $637.70 | $665.15 |
| 2026 Chrysler Pacifica Plug-in | $52,260 | $920.01 | $826.24 | $777.51 | $810.98 |
Estimated average monthly payments for used Chryslers
| Model | Fair purchase price | Monthly payment (501-600 credit score) | Monthly payment (601-660 credit score) | Monthly payment (661-780 credit score) | Monthly payment (781-850 credit score) |
|---|---|---|---|---|---|
| 2020 Chrysler Voyager | $16,028 | $293.15 | $258.42 | $228.27 | $223.01 |
| 2020 Chrysler Pacifica | $17,102 | $319.27 | $281.45 | $248.61 | $242.88 |
| 2020 Chrysler Pacifica Hybrid | $18,980 | $364.95 | $321.72 | $284.18 | $277.63 |
Chrysler finance options
Taking the first option you’re offered when buying a car isn’t always the best choice. Learn about your Chrysler finance options so you can find the loan with the lowest rate.
Stellantis Financial Services
You’re buying a Chrysler that’s currently on special offer.
Chrysler offers its own financing through Stellantis Financial Services. This is known as captive financing. Stellantis also offers financing for other car manufacturers, including Dodge, Jeep and Ram.
One of the main advantages of financing through Chrysler directly is access to manufacturer-backed incentives. Depending on a number of variables, such as location, time of year, and model, these offers may range from cash-back incentives to reduced APRs and lease specials.
As with most loan products, borrowers with top-tier credit scores typically qualify for the lowest interest rates. Stellantis doesn’t publish a minimum credit score requirement, but you’ll generally need at least very good credit to qualify. Speak with your dealer to get further information about lending requirements.
Financing programs and incentives
If you work for an employer that partners with Chrysler, you could get your new ride for 1% below MSRP. This is in addition to any other incentives you qualify for. Speak with your HR rep for further details. You can also check your eligibility on Chrysler’s Affiliate Rewards page.
Chrysler offers discounts to first responders and military members. Law enforcement, medical workers and firefighters can get $500 off certain 2025 and 2026 Chrysler models. Similar to the first responders discount, the Military Incentive Program gives $500 bonus cash to eligible military members and veterans.
Chrysler customers can also access the Stellantis DriveAbility Program. Permanently disabled drivers can get reimbursement up to $1,000 after installing adaptive equipment in their new Chrysler. This program also links eligible drivers with certified rehab specialists who can help them choose adaptive equipment.
Bank and credit union auto loans
Your financial institution offers APR discounts or a car-buying service.
If you aren’t interested in captive financing, your next best bet may be your current financial institution.
Many banks offer a relationship discount for both banking and borrowing. For instance, you could get 0.25% off of your APR on a PNC Bank auto loan if you sign up for autopay with your PNC checking account.
Federal credit union auto loans, in particular, usually come with lower-than-average APRs. In fact, APRs cannot exceed 18% per federal law. Also, lots of credit unions (such as PenFed Credit Union) have a car-buying service for its members. If you buy your Chrysler through the service, you could get a discounted rate and, in some cases, bonus cash.
Online auto loans
Comparing multiple auto loan offers.
One of the easiest (and most effective) ways to shop for an auto loan may be by prequalifying with online lenders. Whether you have good credit, bad credit or somewhere in between, there’s likely an online lender for you.
Compared to bank and credit union loans, online auto loans can be more convenient to apply for, and many offer lower rates and faster approvals.
However, getting a car loan online can be intimidating if you don’t know what you’re doing.
LendingTree can help. By using our loan marketplace, you can compare offers from up to five lenders with just a few clicks. It’s free, secure and it won’t negatively impact your credit score.
In-house financing
You have bad credit and can’t qualify for other types of Chrysler financing.
If you go with in-house financing, you’ll be getting your car loan directly from the dealership. This isn’t the same as allowing the dealer to secure your loan. Rather, with these types of loans, also known as buy here, pay here loans, the dealership itself will fund your loan instead of a financial institution or lender.
Generally, it’s not hard to qualify for in-house financing. But in exchange for that convenience, you’re likely looking at an APR as high as 20%. Dealerships that offer in-house financing typically specialize in older vehicles, meaning you can’t likely use one to finance the brand-new Chrysler of your dreams. Rather, your car is likely to be several years old. This, combined with a high interest rate, may lead to an upside-down car loan.
How we calculated average monthly Chrysler payments
To calculate average monthly Chrysler payments, we found estimated starting MSRPs and the fair purchase price for some of Chrysler’s most popular models. MSRPs and fair purchase prices are based on data available at the time of writing, as they change frequently.
Then, we subtracted an average down payment from each. According to Edmunds, the average down payment on a new vehicle was $6,020 in Q3 2025. For used vehicles, it was $3,976. The resulting figure represents the total amount our hypothetical borrowers financed.
From there, we used our auto loan calculator to figure out average monthly Chrysler payments, using average APRs and loan terms as reported by Experian’s State of the Automotive Finance Market Q3 2025. You’ll find this data in the tables below. Please note that loan terms were rounded to the nearest whole number during our calculations.
Keep in mind that your specific car payment depends on personal factors like your credit score, zip code and the type of car loan you’re getting. We don’t include dealer fees, which can add up to 10% of the car’s price if you buy at a dealership.
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 13.34% | 9.77% | 6.51% | 4.88% |
| Average loan term | 74.30 months | 75.03 months | 72.01 months | 64.80 months |
| Subprime (501-600) | Near prime (601-660) | Prime (661-780) | Superprime (781-850) | |
|---|---|---|---|---|
| Average APR | 19.00% | 14.11% | 9.65% | 7.43% |
| Average loan term | 66.58 months | 68.30 months | 68.54 months | 65.86 months |
Frequently asked questions
Your ability to qualify for Chrysler financing is based on a number of financial criteria, including your income, down payment, debt load and credit history.
Stellantis Financial Services — Chrysler’s financing arm — doesn’t publish its minimum credit score requirements.
You also shouldn’t expect to get the very best rates unless your score is over 740. This is why it’s always a good idea to compare offers from a variety of lenders to see which one offers you the best loan terms.
Chrysler occasionally offers promotional APRs, including 0% deals, for well-qualified buyers. But these incentives usually only apply to certain models and are offered for limited time periods only.
Before assuming you can get a promotional APR, check the latest offers on Chrysler’s official financing page or talk to your local dealer directly.
When it comes to buying a car, you may be able to get a good deal at any time, especially if you’re a good negotiator. But there are certain times when it can be easier to score a deal.
At the end of a model year, for example, dealers are trying to clear out the prior-year model to make room for the current-year inventory. As such, they are often incentivized to slash prices.
The same is true for the year-end period, when dealers are pushing to reach annual sales targets. During the holidays, Chrysler may run financing and leasing specials as well.
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